{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-23-000058","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2023-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.174334+00:00","generated_at":"2026-06-17T00:02:35.412291+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Q1 net income $511M ($1.00 EPS); underlying EPS $1.10; deposits stable in March","bullets":["Net income $511M, diluted EPS $1.00; underlying net income $560M, underlying EPS $1.10.","Total revenue $2.128B; NIM stable at 3.30%; underlying PPNR $898M.","Period-end deposits $172.2B (down 4.7% QoQ); deposits stable in March; LDR 89.8%.","CET1 ratio 10.0% (upper end of target); repurchased $400M in shares; TBV/share $29.44.","Provision for credit losses $168M; NCO ratio 0.34%; ACL/loans ratio 1.47%."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-23-000058","json":"https://secwatch.observer/filing/0000759944-23-000058.json","markdown":"https://secwatch.observer/filing/0000759944-23-000058.md","text":"https://secwatch.observer/filing/0000759944-23-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000058/0000759944-23-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000058/cfg-20230419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T00:02:35.412291+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":"75472b3a7e6664be2e26a1d3cb59e7f7a650915f","claim":"CITIZENS FINANCIAL GROUP INC/RI reported financial results for first quarter 2023.","evidence_excerpt":"Citizens Financial Group, Inc. Reports First Quarter 2023 Net Income of $511 million and EPS of $1.00 Underlying Net Income of $560 million and EPS of $1.10","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000058/0000759944-23-000058-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"75472b3a7e6664be2e26a1d3cb59e7f7a650915f","claim":"CITIZENS FINANCIAL GROUP INC/RI reported financial results for first quarter 2023.","evidence_excerpt":"On April 19, 2023, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its first quarter 2023 earnings and posted on its website the press release and a financial supplement.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000058/0000759944-23-000058-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2023"},{"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"}