{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-24-000005","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2024-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.871734+00:00","generated_at":"2026-06-06T22:51:07.547491+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 Q4 2023 net income $189M ($0.34 EPS); underlying EPS $0.85; CET1 ratio 10.6%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-24-000005","json":"https://secwatch.observer/filing/0000759944-24-000005.json","markdown":"https://secwatch.observer/filing/0000759944-24-000005.md","text":"https://secwatch.observer/filing/0000759944-24-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000005/0000759944-24-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000005/cfg-20240117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:51:07.547491+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":"4db46bc4fe34d76c7f462363104c521bae900eb0","claim":"CITIZENS FINANCIAL GROUP INC/RI reported fourth quarter and full year 2023 results: net income $189 million, EPS $0.34.","evidence_excerpt":"Citizens Financial Group, Inc. Reports Fourth Quarter 2023 Net Income of $189 million and EPS of $0.34","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000005/0000759944-24-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and full year 2023"},{"label":"Net income","value":"$189 million"},{"label":"EPS","value":"$0.34"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"9b7545d9cc5390565a9ca56a7050715d2a5cdda6","claim":"CITIZENS FINANCIAL GROUP INC/RI reported full year 2023 results: net income $1.6 billion, EPS $3.13.","evidence_excerpt":"2023 Net Income of $1.6 billion and EPS of $3.13","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000005/0000759944-24-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year 2023"},{"label":"Net income","value":"$1.6 billion"},{"label":"EPS","value":"$3.13"},{"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"}