{"filings":[{"id":1976571,"accession_number":"0001193125-26-326411","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-07-30T21:57:45+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Citizens Financial issues $400M of 6.750% Series J Preferred Stock","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued 400,000 shares of 6.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series J, liquidation preference $1,000/share.","Underwriting agreement with BofA, J.P. Morgan, Morgan Stanley, Wells Fargo, and Citizens JMP Securities.","Dividend restrictions on common and junior stock if Series J dividends are not declared and paid.","Certificate of Designations filed with Delaware Secretary of State on July 27, 2026.","Proceeds not specified; offering closed July 30, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1757876,"accession_number":"0000759944-26-000139","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-07-21T12:22:21+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial Q2 EPS $1.30, revenue $2.28B; 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revenue up 12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $587M, EPS $1.30, up 41% YoY and 15% QoQ; ROTCE 13.9%.","Revenue $2,283M, up 12% YoY; NII +14% YoY, fees +9% YoY; positive operating leverage 6.4%.","Loans up 3% spot QoQ; NCO ratio 37bps, down 2bps QoQ; CET1 10.4%.","Private Bank contributed $0.15 to EPS, up from $0.11 in Q1; record Capital Markets and Wealth fees.","Dividend $0.46/share declared, payable Aug 13; TBV/share $38.29, up 1% QoQ."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98704,"accession_number":"0000759944-26-000073","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Citizens Financial Group holds 2026 annual meeting; all director nominees elected, say-on-pay approved","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected; CEO Bruce Van Saun received 336.7M for, 20.4M against (largest dissent).","Advisory vote on executive compensation passed with 327.2M for, 30.6M against.","Ratification of Deloitte & Touche as auditor for 2026 approved with 355.5M for, 29.4M against.","Shareholder proposal for majority voting standard failed with only 36.2M for, 321.4M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":98703,"accession_number":"0000759944-26-000070","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-04-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q1 net income $517M, EPS $1.13, up 47% YoY; NIM expands to 3.14%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $517M (+39% YoY); diluted EPS $1.13 (+47% YoY); ROTCE 12.2%.","Total revenue $2,168M (+12% YoY); NII $1,562M (+12% YoY); NIM FTE 3.14% (+24 bps YoY).","Positive operating leverage 7.2% YoY; PPNR $790M (+27% YoY).","Net charge-offs 39 bps (down 19 bps YoY); ACL coverage 1.52%; nonaccruals 1.04%.","Declares $0.46 quarterly common dividend, payable May 14, 2026 to holders of record Apr 30."],"consensus_eps_estimate":null,"consensus_eps_actual":1.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":2168000000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114333,"accession_number":"0001193125-26-029534","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial issues $400M of 5.299% subordinated notes due 2036","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $400 million aggregate principal of 5.299% Fixed-Reset Subordinated Notes due 2036.","Interest fixed at 5.299% to Jan 29, 2031, then resets to Five-Year UST rate plus 1.450%.","Proceeds for general corporate purposes including repurchases, dividends, debt reduction, acquisitions.","Underwriters include Citigroup, Goldman Sachs, Morgan Stanley, TD Securities, Citizens JMP."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114332,"accession_number":"0000759944-26-000020","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Q4 EPS $1.13, ROTCE 12.2%; dividend $0.46","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS of $1.13, up 8% QoQ; ROTCE 12.2% vs 11.7% in Q3.","Total revenue $2.157B, up 2% QoQ; NIM expanded 7 bps to 3.07%.","Pre-provision profit $814M, up 4% QoQ, 19% YoY.","Net charge-off ratio improved to 0.43%, down 3 bps QoQ.","Quarterly dividend declared $0.46/share, payable Feb 18, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":3.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":8247000000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":114331,"accession_number":"0000759944-26-000017","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q4 net income $528M, EPS $1.13, up 36% YoY; full-year EPS $3.86 up 19% underlying","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $528M (up 32% YoY); diluted EPS $1.13 (up 36% YoY); revenue $2.16B (up 8.6% YoY).","Positive operating leverage 1.3% QoQ and 5.2% YoY; efficiency ratio 62.2%, improved 79 bps QoQ.","Net interest margin expanded 7 bps QoQ to 3.07%; period-end deposits $183.3B, up 2% QoQ; LDR 77.8%.","Credit trends favorable: NCO ratio 43 bps (down 3 bps QoQ); ACL coverage 1.53%; CET1 10.6%; TBV/share $38.07, up 4% QoQ.","Full-year 2025 underlying net income $1.8B, underlying EPS $3.86 (up 19% YoY); Private Bank contributed $0.10 to Q4 EPS."],"consensus_eps_estimate":null,"consensus_eps_actual":3.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":8247000000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130707,"accession_number":"0000759944-25-000139","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-10-15T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q3 net income $494M, EPS $1.05; PPNR up 9% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS of $1.05 vs $0.92 in Q2; ROTCE 11.7% vs 11.0%.","PPNR $783M, up 9% QoQ; NII +3.5%, NIM expanded 5 bps to 3.00%.","Capital Markets revenue surged 58% QoQ; Wealth up 6% QoQ.","Net charge-offs 46 bps, down 2 bps QoQ; CET1 10.7%; TBV/share $36.73 (+4% QoQ).","Efficiency ratio improved ~170 bps to 63.0%; positive operating leverage 3%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.74,"consensus_revenue_estimate":null,"consensus_revenue_actual":6090000000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130706,"accession_number":"0000759944-25-000135","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-10-07T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens names Ted Swimmer Head of Commercial Banking; McCree to retire March 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ted Swimmer promoted to Head of Commercial Banking effective October 7, 2025, succeeding Don McCree.","Don McCree will remain as Chair of Commercial Banking until his retirement at end of March 2026.","Swimmer joined Citizens in 2010, built Capital Markets & Advisory into a Top 5 U.S. Middle Market bookrunner.","Swimmer has been on Citizens' Executive Committee since 2018 and is a 30-year banking veteran."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130705,"accession_number":"0000759944-25-000133","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-10-06T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Citizens Financial eliminates Series F Preferred Stock after redemption, restates charter","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All outstanding shares of 5.650% Series F Preferred Stock were redeemed on October 6, 2025.","Filed Certificate of Elimination to remove Series F Preferred Stock from Restated Certificate of Incorporation.","Also filed Restated Certificate of Incorporation integrating previously filed Series I Preferred Stock designations.","No financial impact; this is a procedural update following the redemption."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147265,"accession_number":"0001193125-25-178517","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-08-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens Financial names Aunoy Banerjee as CFO, effective Oct 24, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Banerjee joins from Barclays Bank PLC, where he was CFO; replaces outgoing CFO John Woods (departs Aug 15).","Interim CFO: Chris Emerson, EVP & Head of Corporate Planning & Enterprise Finance, until Banerjee starts.","Annual base salary $700,000; guaranteed 2025 incentive $3.7M (discounted by former employer role-based allowance).","Buy-out award of ~$5M in cash and restricted stock units, vesting over four years.","Standard severance provisions: two weeks' salary per year of service, minimum 26 weeks; change-of-control severance of 2x base plus avg bonus."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147264,"accession_number":"0001193125-25-170524","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-07-31T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Citizens Financial issues 16M depositary shares of 6.5% Series I Preferred Stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offering of 16,000,000 depositary shares (each 1/40th interest in a share of 6.500% Series I Preferred Stock, liquidation preference $1,000/share).","Underwriters: Morgan Stanley, BofA, JPMorgan, UBS, Wells Fargo, Citizens JMP.","Certificate of Designations filed; dividend restrictions on common and junior stock if Series I dividends not paid.","Offering closed July 31, 2025; aggregate liquidation preference approximately $400 million."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147263,"accession_number":"0000759944-25-000102","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-07-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial Q2 2025 EPS $0.92, revenue $2.04B; proposes Series I preferred offering","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS of $0.92, up $0.15 QoQ; underlying EPS also $0.92. Revenue $2,037M, up 5.3% QoQ.","PPNR $718M, up 16% QoQ; NIM expanded 5 bps to 2.95%. Efficiency ratio improved to 64.8%.","Loans up 1% QoQ to $139.3B; NCO ratio 48 bps, down from 58 bps QoQ. CET1 ratio 10.6%.","Quarterly common dividend declared $0.42/share, payable Aug 14, 2025 to holders of record July 31.","Launched proposed offering of Series I Fixed-Rate Reset Preferred Stock; proceeds to redeem Series F Preferred."],"consensus_eps_estimate":null,"consensus_eps_actual":1.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":3972000000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":147262,"accession_number":"0000759944-25-000099","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Q2 EPS $0.92, up $0.15 QoQ; NII +3%, fee income +10%, operating leverage ~5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $436M, diluted EPS $0.92; underlying EPS same.","Revenue $2,037M; pre-provision profit $718M (up 16% QoQ).","Net interest margin 2.95% (up 5 bps); loans up 1% spot; deposits up 1% average.","Net charge-offs 48 bps (down QoQ); ACL coverage 1.59%; CET1 10.6%.","TBV/share $35.23 (up 4% QoQ); Private Bank contributed $0.06 to EPS."],"consensus_eps_estimate":null,"consensus_eps_actual":1.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":3972000000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165885,"accession_number":"0000759944-25-000093","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-06-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Group boosts share repurchase authorization to $1.5 billion","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board increased buyback capacity by $1.2B to a total of $1.5B.","Prior authorization had $300M in remaining capacity.","Repurchases may be executed in open market or private transactions.","Company cites confidence in financial performance and capital returns."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165884,"accession_number":"0001193125-25-105782","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CFG promotes Coughlin to President; CFO Woods to depart in August 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Brendan Coughlin promoted to President from Vice Chair, effective April 30, 2025; will oversee Consumer Banking, Private Bank, Wealth, plus Enterprise Data & Analytics and Marketing.","CFO John Woods notified his departure on April 24 to accept another opportunity; expected to leave in August 2025.","Company will initiate formal internal and external search for new CFO; Woods will ensure smooth transition.","Coughlin has 20 years at Citizens; led initiatives like Apple and Microsoft point-of-sale financing, education refinance, and launch of Citizens Private Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165883,"accession_number":"0000759944-25-000067","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-04-25T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Citizens Financial shareholders elect all 13 directors, approve say-on-pay and auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 13 director nominees elected; lowest vote share was William Hankowsky with 347.7M for (92.2%).","Advisory vote on executive compensation passed with 221.6M for (58.7%), 155.3M against.","Ratification of Deloitte & Touche as auditor approved with 374.9M for (93.2%) against 27.3M.","Broker non-votes of 25.1M existed for proposals 1 and 2, none for proposal 3."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165882,"accession_number":"0000759944-25-000051","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-04-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens posts Q1 net income $373M, EPS $0.77; agrees to sell $1.9B in non-core education loans","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $373M, diluted EPS $0.77; underlying EPS $0.77; ROTCE 9.6%.","Revenue $1.935B, down 2.6% QoQ; PPNR $621M, down 9% on an underlying basis.","Period-end loans $137.6B, down 1% QoQ from $1.9B non-core education loan sale; core loans up ~1%.","Spot deposits $177.6B, up 2% QoQ; Private Bank deposits up $1.7B to $8.7B.","CET1 ratio 10.64%; TBV/share $33.97, up 5% QoQ; NCO ratio 0.58% (excl. sale 0.51%)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":1935000000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183438,"accession_number":"0001193125-25-047247","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-03-05T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial issues $750M senior notes: 5.253% fixed then SOFR+1.259%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $750M aggregate principal of 5.253% Fixed/Floating Rate Senior Notes due 2031.","Notes bear 5.253% fixed rate from Mar 5, 2025 to Mar 5, 2030, then SOFR + 1.259% floating to maturity.","Offering closed Mar 5, 2025; underwriters include Citigroup, Goldman Sachs, J.P. Morgan, Morgan Stanley.","Net proceeds for general corporate purposes, including debt repurchase, dividends, and acquisitions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":183437,"accession_number":"0000759944-25-000005","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2025-01-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q4 2024 net income $401M ($0.83 EPS); underlying EPS $0.85","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $401M vs $189M in Q4 2023; GAAP EPS $0.83 vs $0.34 YoY.","Underlying net income $412M; underlying EPS $0.85 (flat YoY); underlying PPNR $684M, up 4% QoQ.","Net interest margin (FTE) improved 10 bps to 2.87%; total revenue $1,986M, roughly flat YoY.","CET1 ratio 10.8% (up from 10.6% in Q3); period-end loans $139.2B, down 1.7% QoQ amid Non-Core run-off.","Private Bank lending grew $1.1B to $3.1B; spot deposits up $1.4B to $7.0B; LDR 79.6%."],"consensus_eps_estimate":null,"consensus_eps_actual":3.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":7809000000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200017,"accession_number":"0000759944-24-000198","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-12-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial CEO speaks at Goldman Sachs conference; no material updates in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["CEO Bruce Van Saun participates at Goldman Sachs U.S. Financial Services Conference on Dec 10, 2024.","Live webcast and presentation slides available on investor relations website.","No financial results, guidance changes, or other material disclosures in the 8-K or attached exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.0,"calibrated_materiality_score":0.0,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200016,"accession_number":"0000759944-24-000170","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-10-16T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q3 net income drops to $382M; underlying EPS $0.79; CET1 10.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $382M ($0.77 EPS); underlying net income $392M ($0.79 EPS).","Total revenue $1,901M, down 3% QoQ; NIM 2.77% vs 2.87% prior quarter.","CET1 ratio 10.6%; TBV/share $33.54, up 9.6% QoQ; LDR 80.8%.","Period-end loans stable at $141.6B; Private Bank loans +$634M to $2.0B; deposits +$1.6B to $5.6B.","NCO ratio 0.54%, up 2 bps QoQ; provision $172M; ACL coverage 1.61%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":5823000000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216031,"accession_number":"0000759944-24-000167","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-09-20T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens Financial appoints Claude Wade to board; Wendy Watson to retire in 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Claude E. Wade appointed to CFG Board effective March 1, 2025, temporarily expanding board to 14 directors.","Wade will serve on the Board's Risk Committee; he is EVP, Chief Digital Officer and Global Head of Claims at AIG.","Wendy Watson to retire after her term expires at April 2025 annual meeting; she joined board in 2010.","Watson currently chairs the Audit Committee and serves on Risk and Compensation committees; retirement due to mandatory age.","Wade brings 30+ years of operational, strategy and innovation experience from AIG, BlackRock, and Marsh."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216030,"accession_number":"0001193125-24-219657","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-09-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens appoints Christopher Schnirel as Controller and CAO effective Oct 21, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Schnirel, 53, joins from Huntington Bancshares (12-year tenure), succeeding Jack Read who left in August.","Total annual compensation of $1.1M; buy-out RSU grant for forfeited previous awards; relocation benefits.","Subject to 12-month non-solicitation and perpetual confidentiality covenants; 90-day resignation notice."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216029,"accession_number":"0001193125-24-182987","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial issues $1.25B in 5.718% Fixed/Floating Senior Notes due 2032","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Completed $1.25B aggregate principal amount of 5.718% Fixed/Floating Rate Senior Notes due July 23, 2032.","Fixed rate of 5.718% from July 23, 2024 to July 23, 2031; then SOFR plus 1.910% for final year.","Proceeds for general corporate purposes, including debt repayment, dividends, repurchases, and acquisitions.","Underwriters include Barclays, Citigroup, Goldman Sachs, Morgan Stanley, and Citizens JMP Securities.","Issued under Ninth Supplemental Indenture dated July 23, 2024 with BNY Mellon as trustee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216028,"accession_number":"0000759944-24-000141","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Q2 2024 underlying EPS $0.82, revenue $1.96B, NII down 2% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Underlying EPS $0.82 vs $1.04 YoY; GAAP EPS $0.78 vs $0.92 YoY; net income $392M.","Revenue $1.96B, down 6% YoY; NII $1.46B (-2% QoQ); NIM 2.87% (down 4 bps QoQ).","Period-end loans $141.8B (-1% QoQ); deposits $176.4B stable; LDR improved to 80.4%.","NCO ratio 52 bps (up 2 bps QoQ); ACL coverage 1.63%; CET1 ratio 10.7%.","Board declared $0.42 quarterly dividend, payable Aug 14, record Jul 31."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":3922000000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216027,"accession_number":"0000759944-24-000138","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-07-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q2 2024 net income $392M ($0.78 EPS); underlying EPS $0.82","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Underlying EPS $0.82, ROTCE 11.1%; revenue $1,963M, up slightly QoQ.","Strong fee growth: Capital Markets, Wealth, and Card fees up 7% QoQ.","CET1 ratio 10.7%; spot LDR 80.4%; deposits stable at $176.4B.","Net charge-offs 52 bps, up 2 bps QoQ; ACL coverage 1.63%.","Notable items pre-tax $(32)M ($0.04 EPS hit) including TOP and FDIC special assessment."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":3922000000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216026,"accession_number":"0000759944-24-000134","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-07-09T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Citizens Financial eliminates Series D Preferred Stock after full redemption","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Series D Preferred Stock redeemed in full on July 8, 2024; Certificate of Elimination filed.","All references to Series D removed from Amended and Restated Certificate of Incorporation.","Restated Certificate also integrates Series H (7.375% Fixed-Rate) preferred stock designations.","No other changes to capital structure or dividend policies announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235528,"accession_number":"0000759944-24-000126","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-06-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial Group preliminary SCB 4.5%; increases buyback authorization to $1.25B","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Federal Reserve communicated preliminary Stress Capital Buffer of 4.5%, effective Oct 1, 2024; implied regulatory minimum CET1 now 9.0%.","Company expects Q2 2024 CET1 ratio ~160 bps above regulatory minimum, indicating strong capital position.","Board increased common share repurchase program capacity to $1.25B, an increase of $656M over prior remaining capacity.","CFO cited improvement in modeled credit losses vs 2023 stress test, but noted PPNR decline inconsistent with company-run test."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235527,"accession_number":"0000759944-24-000117","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-06-14T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Citizens Financial Group names Don McCree Senior Vice Chair and grants retention awards to two executives","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Don McCree appointed Senior Vice Chair effective June 13, 2024, recognizing his performance leading Commercial Banking since 2015.","Brendan Coughlin (Vice Chair, Consumer Banking) awarded $6M PSUs, $4M RSUs, and $2M restricted cash as part of leadership succession plan.","John Woods (Vice Chair, CFO) awarded $3.5M PSUs, $2.5M RSUs, and $1M restricted cash; both executives' stock ownership requirement increased to 6x salary.","Awards vest on third anniversary; PSU payout depends on average ROTCE and cumulative Diluted EPS performance from 2024-2026, with max 150% of target."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235526,"accession_number":"0001193125-24-159974","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-06-12T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Jack Read, CAO of Citizens Financial, resigns Aug 7; CFO Woods interim","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jack Read resigns as Corporate Controller and CAO effective Aug 7, 2024, to pursue a non-banking opportunity.","Departure is for personal reasons; no disagreement with the Company on finances, accounting, or policies.","CFO John F. Woods will serve as interim CAO while internal and external successor search is conducted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235525,"accession_number":"0001193125-24-145975","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":["3.03","5.03","8.01","9.01"],"status":"ready","headline":"Citizens Financial Group issues 16M depositary shares of 7.375% Series H Preferred Stock","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Public offering of 16,000,000 depositary shares, each representing 1/40th interest in a share of 7.375% fixed-rate non-cumulative perpetual preferred stock, Series H.","Underwriting agreement signed May 16, 2024 with Morgan Stanley, BofA, J.P. Morgan, UBS, Wells Fargo, and Citizens JMP.","Certificate of Designations filed May 17, 2024, establishing preferences and restrictions on common dividends if Series H dividends unpaid.","Liquidation preference of $1,000 per share of Series H; issuance effective May 23, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235524,"accession_number":"0000759944-24-000098","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Citizens Financial launches proposed public offering of Series H preferred stock to redeem Series D preferred","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Announced offering of new Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H, subject to market conditions.","Intends to use net proceeds to redeem all outstanding 6.350% Series D Preferred Stock ($1,000 liquidation preference per share) on July 8, 2024.","Corresponding Series D Depositary Shares (CFG PrD) would also be redeemed if offering closes.","No assurance that the offering will price or that redemption will occur; company will announce decision via press release."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235523,"accession_number":"0000759944-24-000093","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial CEO to present at Barclays Americas Select Franchise Conference","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["CEO Bruce Van Saun to speak at Barclays conference on May 8, 2024 at 10:45 am GMT.","Presentation slides available on investor relations website; no new financial guidance provided.","Filing is a routine Regulation FD disclosure; no material business updates announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235522,"accession_number":"0000759944-24-000083","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-04-26T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"Citizens Financial shareholders approve all proposals, including director slate and compensation plans","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected with for votes ranging from 369M to 394M; Kevin Cummings received most against (3.0M).","Advisory vote on executive compensation passed with 63% for (248.4M for vs 147.1M against).","Amended 2014 Non-Employee Directors Compensation Plan approved (383.0M for, 12.8M against).","Amended 2014 Omnibus Incentive Plan and Employee Stock Purchase Plan also approved.","Deloitte & Touche ratified as auditor for 2024 with 410.9M for vs 12.5M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235521,"accession_number":"0001193125-24-114022","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial issues $750M senior notes due 2035 at 6.645% fixed rate","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $750M aggregate principal of 6.645% Fixed/Floating Rate Senior Notes due April 25, 2035.","Fixed rate 6.645% through April 25, 2034; then SOFR + 2.325% floating for final year.","Underwriters: Citigroup, Goldman Sachs, J.P. Morgan, Morgan Stanley, and Citizens JMP Securities.","Proceeds for general corporate purposes including repurchases, dividends, debt repayment, acquisitions.","Notes issued under indenture with The Bank of New York Mellon as trustee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235520,"accession_number":"0000759944-24-000063","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-04-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial Q1 underlying EPS $0.79; revenue falls 8% YoY to $1.96B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Underlying EPS of $0.79 (vs $1.10 Q1 2023); GAAP EPS $0.65.","Revenue $1,959M, down 8% YoY from $2,128M; NIM stable at 2.91%.","Period-end deposits $176.4B, up $4.2B YoY; loan-to-deposit ratio 81%.","CET1 ratio 10.6%; TBV/share $30.19, down 2% QoQ from $30.91.","Quarterly dividend declared $0.42/share, payable May 15, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":1959000000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":235519,"accession_number":"0000759944-24-000060","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-04-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q1 net income $334M, EPS $0.65; underlying EPS $0.79; NIM stable 2.91%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $334M vs $511M YoY; diluted EPS $0.65 vs $1.00; underlying EPS $0.79 vs $1.10.","Revenue $1,959M down 8% YoY; underlying PPNR $683M vs $898M; NIM flat at 2.91%.","Period-end loans $143.2B (-2% QoQ); deposits $176.4B (+$4.2B YoY); LDR 81%.","CET1 ratio 10.6%; TBV/share $30.19 (-2% QoQ); NCO ratio 0.50% vs 0.34% YoY.","Capital Markets fees recovered; Non-Core portfolio runoff and balance sheet optimization ongoing."],"consensus_eps_estimate":null,"consensus_eps_actual":0.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":1959000000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253315,"accession_number":"0000759944-24-000038","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-02-16T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Citizens Financial appoints Tracy Atkinson to board; Kelly to become lead independent director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tracy Atkinson appointed to board effective March 1, 2024; board expands to 14; she will serve on Audit Committee.","Edward J. Kelly III appointed lead independent director, subject to reelection, succeeding Shivan Subramaniam.","Shivan Subramaniam to retire after April 2024 annual meeting due to mandatory retirement age; served since 2005."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253314,"accession_number":"0001193125-24-012960","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-01-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial issues $1.25B of 5.841% Fixed/Floating Senior Notes due 2030","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $1.25B aggregate principal of 5.841% Fixed/Floating Rate Senior Notes due Jan 23, 2030.","Fixed rate of 5.841% through Jan 23, 2029, then SOFR plus 2.01% for final year.","Underwriting led by Barclays, BofA Securities, Goldman Sachs, Morgan Stanley, and Citizens JMP Securities.","Net proceeds to be used for general corporate purposes, including debt repayment, share repurchases, dividends, and potential acquisitions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253313,"accession_number":"0000759944-24-000008","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-01-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Citizens Financial Q4 GAAP EPS $0.34, underlying $0.85; revenue $1.99B; $0.42 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $189M ($0.34 EPS); underlying net income $426M ($0.85 EPS).","Total revenue $1,988M, down from $2,200M YoY; NIM 2.91% vs 3.03% QoQ.","Provision for credit losses $171M; ACL/loans ratio 1.59%; NCO ratio 0.46%.","CET1 ratio 10.6% (up 20 bps QoQ); TBV/share $30.91 (up 11% QoQ).","Quarterly dividend $0.42/share payable Feb 14, 2024; no share repurchases due to FDIC special assessment."],"consensus_eps_estimate":null,"consensus_eps_actual":3.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":8224000000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":253312,"accession_number":"0000759944-24-000005","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2024-01-17T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Q4 2023 net income $189M ($0.34 EPS); underlying EPS $0.85; CET1 ratio 10.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $189M, diluted EPS $0.34; underlying net income $426M, underlying EPS $0.85.","Total revenue $1.988B, down 1% QoQ; net interest margin 2.91% vs 3.03% prior quarter.","Period-end loans $146.0B, down 3% QoQ; deposits $177.3B, broadly stable; LDR improved to 82.3%.","CET1 ratio 10.6%, up 20 bps QoQ; TBV/share $30.91, up 11% QoQ.","FY 2023 net income $1.6B, EPS $3.13; underlying EPS $3.88; notable items include $225M FDIC special assessment."],"consensus_eps_estimate":null,"consensus_eps_actual":3.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":8224000000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270794,"accession_number":"0000759944-23-000168","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-12-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial CEO to present at Goldman Sachs Conference on Dec 5, 2023","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Chairman and CEO Bruce Van Saun will speak at the Goldman Sachs U.S. Financial Services Conference on December 5, 2023 at 10:00 am EDT.","Live webcast and presentation slides are available at http://investor.citizensbank.com under Events & Presentations.","The presentation (Exhibit 99.1) is furnished under Item 7.01 and not deemed filed for SEC liability purposes.","John F. Woods, Vice Chair and CFO, signed the 8-K filing on December 5, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":270793,"accession_number":"0000759944-23-000143","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-10-18T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q3 net income $430M, EPS $0.85; underlying EPS $0.89","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $430M ($0.85 diluted EPS); underlying net income $448M ($0.89 EPS) includes $(0.05) for Private Bank and $(0.14) for Non-Core.","Total revenue $2,014M, down from $2,094M QoQ; NII down 4% on lower NIM of 3.03% (vs 3.17%).","Provision for credit losses $172M; ACL/loans ratio 1.55%, up 3 bps QoQ.","CET1 ratio 10.4%; repurchased $250M in common shares; TBV/share $27.73, down 3% QoQ.","Period-end deposits $178.2B, up $530M QoQ; loans $149.7B, down 1%; LDR improved to 84%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.78,"consensus_revenue_estimate":null,"consensus_revenue_actual":6236000000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287692,"accession_number":"0000759944-23-000139","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-09-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CFG executives to present at Barclays conference; no material new info disclosed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Vice Chairman & CFO John Woods and Vice Chairman & Head of Consumer Banking Brendan Coughlin to speak at Barclays Global Financial Services Conference on Sept 11, 2023.","The attached Exhibit 99.1 contains only the presentation title slide; no specific financial data or guidance changes are provided.","The filing is a Regulation FD disclosure with the presentation furnished, not filed, and incorporated by reference."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":287691,"accession_number":"0000759944-23-000112","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-07-19T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Citizens Financial Q2 net income $478M (EPS $0.92); revenue $2.09B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $478M ($0.92 diluted EPS); underlying net income $531M ($1.04 EPS).","Total revenue $2,094M, down 2% QoQ; underlying PPNR $861M.","Period-end deposits $177.7B, up 3% QoQ; loans-to-deposit ratio improved to 85%.","CET1 ratio 10.3% (+30 bps QoQ); repurchased $256M in common shares.","Provision for credit losses $176M; net charge-off ratio 0.40% vs 0.34% Q1."],"consensus_eps_estimate":null,"consensus_eps_actual":1.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":4222000000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307975,"accession_number":"0000759944-23-000108","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-06-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Citizens Financial announces preliminary Stress Capital Buffer of 4.0%; CET1 minimum rises to 8.5%","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Federal Reserve preliminary SCB of 4.0%, effective October 1, 2023.","Implied regulatory minimum CET1 ratio increases to 8.5% from 7.9%.","Expects Q2 2023 CET1 ratio ~175 bps above implied regulatory minimum.","Remaining share repurchase authorization capacity of $1.344B as of June 30, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307974,"accession_number":"0000759944-23-000082","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"CFG CEO Bruce Van Saun presents at Barclays conference; no material updates in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["CEO Bruce Van Saun presented at Barclays Americas Select Franchise Conference on May 9, 2023.","Presentation slides were made available at http://investor.citizensbank.com under Events & Presentations.","No financial guidance, operational updates, or other material disclosures are included in the 8-K exhibit text.","Filing confidence is low because the exhibit content provided is only the title slide."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":307973,"accession_number":"0000759944-23-000062","cik":759944,"company_name":"CITIZENS FINANCIAL GROUP INC/RI","ticker":"CFG","form_type":"8-K","filed_at":"2023-04-28T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Citizens Financial Group holds 2023 annual meeting, all director nominees elected","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 13 director nominees elected with votes ranging from 375.98M to 409.87M shares for each.","Advisory vote on executive compensation approved: 384.04M for, 28.58M against, 0.55M abstain.","Ratification of Deloitte & Touche as auditor for 2023 approved: 426.42M for, 15.40M against.","Broker non-votes: 28.92M on proposals 1 and 2; none on proposal 3."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":26675392625.55224,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2023-04-28T23:59:59+00:00|307973"}