{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-24-000063","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.915278+00:00","generated_at":"2026-06-03T20:02:01.258886+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Financial Q1 underlying EPS $0.79; revenue falls 8% YoY to $1.96B","bullets":["Underlying EPS of $0.79 (vs $1.10 Q1 2023); GAAP EPS $0.65.","Revenue $1,959M, down 8% YoY from $2,128M; NIM stable at 2.91%.","Period-end deposits $176.4B, up $4.2B YoY; loan-to-deposit ratio 81%.","CET1 ratio 10.6%; TBV/share $30.19, down 2% QoQ from $30.91.","Quarterly dividend declared $0.42/share, payable May 15, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-24-000063","json":"https://secwatch.observer/filing/0000759944-24-000063.json","markdown":"https://secwatch.observer/filing/0000759944-24-000063.md","text":"https://secwatch.observer/filing/0000759944-24-000063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000063/0000759944-24-000063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000063/cfg-20240418.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T20:02:01.258886+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"}