{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-23-000143","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.958706+00:00","generated_at":"2026-06-09T22:13:07.238033+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Q3 net income $430M, EPS $0.85; underlying EPS $0.89","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-23-000143","json":"https://secwatch.observer/filing/0000759944-23-000143.json","markdown":"https://secwatch.observer/filing/0000759944-23-000143.md","text":"https://secwatch.observer/filing/0000759944-23-000143.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000143/0000759944-23-000143-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000143/cfg-20231018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:13:07.238033+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":"f1a0572e20a118ba5dd9ba8b99121df0cbffc958","claim":"CITIZENS FINANCIAL GROUP INC/RI reported third quarter 2023 results: revenue $ 2,014, net income $430 million, EPS $0.85.","evidence_excerpt":"On October 18, 2023, Citizens Financial Group, Inc. (the “Company”) issued a press release announcing its third quarter 2023 earnings and posted on its website the press release and a financial supplement.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994423000143/0000759944-23-000143-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter 2023"},{"label":"Revenue","value":"$ 2,014"},{"label":"Net income","value":"$430 million"},{"label":"EPS","value":"$0.85"},{"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"}