CFG acknowledges increased competition from digital-only banks, which leverage lower-cost structures to offer higher rates on deposits.
Filing excerpt
The emergence of digital-only banking models has increased and we expect this trend to continue. These models are typically able to offer higher rates on deposit products than traditional retail banking institutions given their lower cost structure.
What this signalsFilings often name leadership changes, deals and spending plans.
Technologies
Competitors
sec-10kpricingPressureGet every 10-K signal for Citizens Financial and the companies you sell to, in the tools you already use.
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This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.
Company
linkedin_urlValue in the APIindustriesValue in the APIemployee_count_lowValue in the APIemployee_count_highValue in the APIrevenueValue in the APIdescriptionValue in the APISignal
signal_nameValue in the APIassociationValue in the APIGET /v1/signals/f26538a5-5ed7-4b74-af9c-2c07a06d0782 returns this record as JSON. POST /v1/companies/enrich returns every signal for citizensbank.com.
{
"signal_id": "f26538a5-5ed7-4b74-af9c-2c07a06d0782",
"signal_type": "sec-10k",
"signal_subtype": "pricingPressure",
"detected_at": "2026-02-17T06:33:04.609+00:00",
"company": {
"name": "Citizens Financial",
"domain": "citizensbank.com"
},
"data": {
"detail": "CFG acknowledges increased competition from digital-only banks, which leverage lower-cost structures to offer higher rates on deposits. This pressure on a core funding source creates an urgent need for solutions that improve operational efficiency, reduce costs, and enhance their own digital product value proposition.",
"metrics": {
"timeframe": "current_year"
},
"summary": "Facing significant pricing pressure on deposit products from emerging digital-only banks.",
"excerpts": "The emergence of digital-only banking models has increased and we expect this trend to continue. These models are typically able to offer higher rates on deposit products than traditional retail banking institutions given their lower cost structure.",
"relevance": 0.8,
"sentiment": "negative",
"confidence": "high",
"source_url": "https://www.sec.gov/Archives/edgar/data/759944/000075994426000028/cfg-20251231.htm",
"filing_date": "2026-02-12",
"filing_year": 2026,
"fiscal_year_end": "12/31",
"sales_relevance": "Cost optimization needed",
"signal_category": "market",
"competitors_mentioned": [
"FinTech companies"
],
"technologies_mentioned": [
"digital",
"online and mobile channels"
]
}
}
curl https://signals.autobound.ai/v1/signals/f26538a5-5ed7-4b74-af9c-2c07a06d0782 \
-H "X-API-KEY: $AUTOBOUND_API_KEY"curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"citizensbank.com","limit":20}'Long text fields are shortened on this page.
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