{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-23-000005","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2023-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.030706+00:00","generated_at":"2026-06-20T15:03:10.968379+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Financial reports Q4 net income $653M, EPS $1.25, underlying EPS $1.32","bullets":["Q4 net income $653M ($1.25 diluted EPS); underlying net income $685M ($1.32 EPS).","Revenue $2.2B, up from $1.72B YoY; net interest margin 3.30%, up 5 bps QoQ.","CET1 ratio 10.0% at upper end of target; TBV/share $27.88, up 5% QoQ.","NCO ratio 0.22%; period-end loans $156.7B, deposits $180.7B, LDR 86.7%.","Full year 2022 net income $2.1B, EPS $4.10; underlying EPS $4.84."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-23-000005","json":"https://secwatch.observer/filing/0000759944-23-000005.json","markdown":"https://secwatch.observer/filing/0000759944-23-000005.md","text":"https://secwatch.observer/filing/0000759944-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000005/0000759944-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000005/cfg-20230117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T15:03:10.968379+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6d93e9ec03e332d4871d777af17e70085d4a7704","claim":"CITIZENS FINANCIAL GROUP INC/RI reported financial results for fourth quarter and full year 2022.","evidence_excerpt":"On January 17, 2023, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its fourth quarter and full year 2022 earnings","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000005/0000759944-23-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and full year 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}