{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-24-000008","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.871937+00:00","generated_at":"2026-06-06T22:14:27.829415+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Financial Q4 GAAP EPS $0.34, underlying $0.85; revenue $1.99B; $0.42 dividend","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-24-000008","json":"https://secwatch.observer/filing/0000759944-24-000008.json","markdown":"https://secwatch.observer/filing/0000759944-24-000008.md","text":"https://secwatch.observer/filing/0000759944-24-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000008/0000759944-24-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000008/cfg-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:14:27.829415+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}