---
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"
generated_at: "2026-06-06T22:14:27.829415+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q4 GAAP EPS $0.34, underlying $0.85; revenue $1.99B; $0.42 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-24-000008
- JSON: https://secwatch.observer/filing/0000759944-24-000008.json
- Plain text: https://secwatch.observer/filing/0000759944-24-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.