Citizens Financial Group, Inc. bonds CFG
Who owns Citizens Financial Group, Inc.'s debt and what their own filings say it is worth. Bond prices and yields are fund-reported marks (SEC Form N-PORT) as of Jul 2026; they lag the market by about two months. CFG stock page.
Every bond funds hold
Each bond's latest fund-reported mark. Price per 100 of face value; yield to maturity from price, coupon and maturity; spread over the matched-maturity Treasury for US-dollar bonds.
| Bond | Coupon | Maturity | Ccy | Price | Yield | Spread | Funds | Held | As of |
|---|---|---|---|---|---|---|---|---|---|
| 174610BD6 | 4% fixed | 2026-10-06 | USD | 99.70 | 5.65% | 192 bp | 8 | $10.2M | Jul 2026 |
| 75524KPG3 | 4.575% fixed | 2028-08-09 | USD | 99.85 | 4.66% | 43 bp | 15 | $13.6M | Jul 2026 |
| 75524KSA3 | 4.192% fixed | 2029-01-29 | USD | 99.11 | 4.58% | 34 bp | 16 | $73.5M | Jul 2026 |
| 174610BF1 | 5.841% fixed | 2030-01-23 | USD | 102.02 | 5.20% | 92 bp | 23 | $45.0M | Jul 2026 |
| 174610AS4 | 2.5% fixed | 2030-02-06 | USD | 91.93 | 5.03% | 75 bp | 15 | $20.8M | Jul 2026 |
| 174610AT2 | 3.25% fixed | 2030-04-30 | USD | 93.96 | 5.04% | 75 bp | 11 | $15.7M | Jul 2026 |
| 174610BJ3 | 5.253% fixed | 2031-03-05 | USD | 100.29 | 5.18% | 86 bp | 20 | $27.0M | Jul 2026 |
| 174610BL8 | 6.75% fixed | 2031-10-06 | USD | 99.17 | 6.94% | 260 bp | 16 | $42.9M | Jul 2026 |
| 174610BH7 | 5.718% variable | 2032-07-23 | USD | 101.62 | — | — | 20 | $21.0M | Jul 2026 |
| 174610AW5 | 2.638% fixed | 2032-09-30 | USD | 85.20 | 5.50% | 110 bp | 8 | $8.0M | Jul 2026 |
| 174610BG9 | 6.645% fixed | 2035-04-25 | USD | 105.71 | 5.80% | 126 bp | 11 | $5.4M | Jul 2026 |
| 174610BK0 | 5.299% fixed | 2036-01-29 | USD | 97.89 | 5.59% | 101 bp | 31 | $16.0M | Jul 2026 |
| 174610BE4 | 5.641% fixed | 2037-05-21 | USD | 99.10 | 5.75% | 111 bp | 7 | $3.8M | Jul 2026 |
Spread history
Median spread of the US-dollar bonds over Treasuries, month-ends with complete filings. Fund-reported.
Price history
Median fund-marked price across the bonds, per 100 of face value.
By month
Funds file on staggered quarter-ends, so each month-end is marked by the funds that reported for it; the amount held moves with which funds filed, not only with buying and selling.
| Month-end | Bonds | Held | Median price | USD yield | USD spread | Most funds on one bond |
|---|---|---|---|---|---|---|
| Jul 2026 | 15 | $401.4M | 99.59 | 5.20% | 92 bp | 31 |
| Jun 2026 | 15 | $1.02B | 99.89 | 5.03% | 85 bp | 52 |
| May 2026 | 15 | $1.05B | 99.86 | 5.00% | 88 bp | 40 |
| Apr 2026 | 15 | $381.3M | 99.76 | 4.97% | 107 bp | 32 |
| Mar 2026 | 15 | $1.07B | 99.52 | 4.97% | 116 bp | 60 |
| Feb 2026 | 15 | $1.06B | 100.32 | 4.55% | 90 bp | 39 |
| Jan 2026 | 15 | $383.2M | 100.16 | 4.66% | 92 bp | 37 |
| Dec 2025 | 14 | $905.0M | 99.72 | 4.65% | 94 bp | 60 |
| Nov 2025 | 15 | $1.01B | 100.17 | 4.70% | 100 bp | 37 |
| Oct 2025 | 15 | $301.1M | 99.78 | 4.78% | 114 bp | 27 |
| Sep 2025 | 17 | $995.3M | 99.93 | 4.73% | 107 bp | 65 |
| Aug 2025 | 17 | $1.11B | 99.96 | 4.80% | 100 bp | 38 |
| Jul 2025 | 16 | $373.9M | 99.83 | 5.02% | 109 bp | 29 |
Who holds the debt
Fund series in their latest quarterly N-PORT report, largest first, with the change in face value against each fund's own previous report. Names as reported in the filings. 70 added, 66 cut, 24 new holders and 26 exits in the latest quarter.
| Fund series | Report | Face value | Value | Change in face value |
|---|---|---|---|---|
| Lord Abbett Short Duration Income Fund LORD ABBETT INVESTMENT TRUST | 2026-05-31 | $172.6M | $174.9M | $0 |
| Baird Core Plus Bond Fund Baird Funds Inc | 2026-06-30 | $120.2M | $119.5M | $0 |
| VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND VANGUARD SCOTTSDALE FUNDS | 2026-05-31 | $96.2M | $96.7M | $13.5M |
| VANGUARD TOTAL BOND MARKET INDEX FUND VANGUARD BOND INDEX FUNDS | 2026-06-30 | $97.1M | $94.7M | $2.5M |
| VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND VANGUARD SCOTTSDALE FUNDS | 2026-05-31 | $82.7M | $83.6M | -$6.9M |
| VANGUARD TOTAL BOND MARKET II INDEX FUND VANGUARD BOND INDEX FUNDS | 2026-06-30 | $81.6M | $80.3M | $0 |
| Bond Fund John Hancock Sovereign Bond Fund | 2026-05-31 | $69.2M | $70.2M | $0 |
| Bond Fund of America | 2026-06-30 | $66.9M | $68.6M | $0 |
| American Balanced Fund | 2026-06-30 | $58.2M | $59.7M | $0 |
| Baird Aggregate Bond Fund Baird Funds Inc | 2026-06-30 | $58.9M | $58.4M | $0 |
| Strategic Advisers Fidelity Core Income Fund Fidelity Rutland Square Trust II | 2026-05-31 | $55.4M | $55.6M | $0 |
| VANGUARD ULTRA-SHORT-TERM BOND FUND VANGUARD FIXED INCOME SECURITIES FUNDS | 2026-07-31 | $44.5M | $44.1M | $0 |
| Fidelity Investment Grade Bond Central Fund Fidelity Central Investment Portfolios II LLC | 2026-06-30 | $47.7M | $43.4M | $0 |
| Lord Abbett Income Fund LORD ABBETT INVESTMENT TRUST | 2026-05-31 | $30.5M | $32.5M | $0 |
| VANGUARD INTERMEDIATE-TERM BOND INDEX FUND VANGUARD BOND INDEX FUNDS | 2026-06-30 | $30.5M | $31.7M | $250K |
| iShares Core U.S. Aggregate Bond ETF iShares Trust | 2026-05-31 | $31.5M | $31.1M | $35K |
| iShares 1-5 Year Investment Grade Corporate Bond ETF iShares Trust | 2026-05-31 | $28.9M | $28.6M | -$3.7M |
| Spectrum Preferred and Capital Securities Income Fund Principal Funds, Inc | 2026-05-31 | $28.3M | $28.1M | -$8.0M |
| Fidelity Series Investment Grade Bond Fund Fidelity Salem Street Trust | 2026-05-31 | $32.3M | $27.9M | $0 |
| Nuveen Preferred Securities and Income Fund Nuveen Investment Trust V | 2026-05-31 | $27.8M | $27.8M | $7.1M |
| iShares iBoxx $ Investment Grade Corporate Bond ETF iShares Trust | 2026-05-31 | $26.6M | $27.0M | $2.5M |
| John Hancock Tax-Advantaged Dividend Income Fund | 2026-07-31 | $26.5M | $26.4M | $0 |
| Lord Abbett Ultra Short Bond Fund LORD ABBETT INVESTMENT TRUST | 2026-05-31 | $26.2M | $26.1M | $0 |
| Nuveen Preferred & Income Opportunities Fund | 2026-07-31 | $26.2M | $26.1M | $9.1M |
| VANGUARD ULTRA-SHORT BOND ETF VANGUARD BOND INDEX FUNDS | 2026-06-30 | $25.5M | $25.2M | $5.0M |
Largest exits in the latest quarter (fund held the bonds in its previous report, none now): JNL/WMC Balanced Fund ($12.6M), First Trust Institutional Preferred Securities and Income ETF ($7.5M), FlexShares Ultra-Short Income Fund ($6.5M), AB Core Bond Portfolio ($5.8M), VANGUARD WELLESLEY INCOME FUND ($5.2M), VANGUARD GLOBAL WELLINGTON FUND ($5.0M), iShares iBonds Dec 2026 Term Corporate ETF ($4.7M), HARTFORD BALANCED HLS FUND ($3.3M), Dimensional Ultrashort Fixed Income ETF ($2.7M), VANGUARD GLOBAL WELLESLEY INCOME FUND ($2.3M).
ETFs holding these bonds
From each ETF's own latest N-PORT report: the issuer's bonds as a share of the ETF's net assets. A holdings list, not a recommendation.
| ETF | Report | Bonds | Face value | Value | % of net assets |
|---|---|---|---|---|---|
| VCSH VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND | 2026-05-31 | 6 | $96.2M | $96.7M | 0.19% |
| BND VANGUARD TOTAL BOND MARKET INDEX FUND | 2026-06-30 | 10 | $97.1M | $94.7M | 0.02% |
| VCIT VANGUARD INTERMEDIATE-TERM CORPORATE BOND INDEX FUND | 2026-05-31 | 4 | $82.7M | $83.6M | 0.12% |
| BIV VANGUARD INTERMEDIATE-TERM BOND INDEX FUND | 2026-06-30 | 3 | $30.5M | $31.7M | 0.06% |
| AGG iShares Core U.S. Aggregate Bond ETF | 2026-05-31 | 11 | $31.5M | $31.1M | 0.02% |
| IGSB iShares 1-5 Year Investment Grade Corporate Bond ETF | 2026-05-31 | 7 | $28.9M | $28.6M | 0.13% |
| LQD iShares iBoxx $ Investment Grade Corporate Bond ETF | 2026-05-31 | 4 | $26.6M | $27.0M | 0.09% |
| VUSB VANGUARD ULTRA-SHORT BOND ETF | 2026-06-30 | 1 | $25.5M | $25.2M | 0.28% |
| BSV VANGUARD SHORT-TERM BOND INDEX FUND | 2026-06-30 | 6 | $21.2M | $21.2M | 0.03% |
| IGIB iShares 5-10 Year Investment Grade Corporate Bond ETF | 2026-05-31 | 4 | $19.2M | $19.5M | 0.11% |
| DFSD Dimensional Short-Duration Fixed Income ETF | 2026-07-31 | 2 | $19.0M | $17.7M | 0.25% |
| SPSB State Street(R) SPDR(R) Portfolio Short Term Corporate Bond ETF | 2026-06-30 | 3 | $17.0M | $17.2M | 0.16% |
| SPIB State Street(R) SPDR(R) Portfolio Intermediate Term Corporate Bond ETF | 2026-06-30 | 9 | $16.3M | $16.2M | 0.14% |
| SCHI Schwab 5-10 Year Corporate Bond ETF | 2026-06-30 | 4 | $15.8M | $15.8M | 0.14% |
| USIG iShares Broad USD Investment Grade Corporate Bond ETF | 2026-05-31 | 11 | $13.8M | $13.8M | 0.08% |
Default risk, three ways
Stock market: distance-to-default
Not computed: financial company (banks, insurers, BDCs and REITs carry leverage as their business, which the model misreads).
Bond market: priced-in odds
A 92 bp spread prices in about 1.5% a year of default odds (spread ÷ (1 − 40% recovery)). Fund-reported marks as of Jul 2026; the spread also pays for liquidity and risk premium, so this overstates actual defaults.
Accounts: Altman Z
Not available.
The stock side: 13F filings
What institutions report holding in CFG's stock and options. Options are reported at the value of the underlying shares, not the premium paid; 13F lists long positions only, lags 45 days after quarter-end, and does not show whether puts hedge a stock position.
| Quarter-end | Stock holders | Stock value | Put managers | Puts (underlying value) | Call managers | Calls (underlying value) | Convertible holders |
|---|---|---|---|---|---|---|---|
| 2026-09-30 filings still arriving | 156 | $903.6M | 0 | — | 0 | — | 0 |
| 2026-06-30 | 1,087 | $27.56B | 17 | $102.0M | 22 | $142.1M | 2 |
| 2026-03-31 | 1,005 | $19.05B | 21 | $109.2M | 28 | $156.2M | 1 |
| 2025-12-31 | 954 | $22.48B | 22 | $104.2M | 26 | $121.7M | 1 |
| 2025-09-30 | 850 | $21.27B | 24 | $94.3M | 26 | $126.3M | 1 |
| 2025-06-30 | 795 | $18.34B | 25 | $140.6M | 29 | $152.4M | 1 |
Sources: fund holdings and fund-reported marks from SEC Form N-PORT (published about 60 days after each month-end); 13F filings; House and Senate periodic transaction reports and OGE Form 278-T; Treasury yields from FRED. Findings from filings, not advice. How each number is computed.