{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-24-000141","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.794978+00:00","generated_at":"2026-05-31T19:58:06.447832+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 Q2 2024 underlying EPS $0.82, revenue $1.96B, NII down 2% QoQ","bullets":["Underlying EPS $0.82 vs $1.04 YoY; GAAP EPS $0.78 vs $0.92 YoY; net income $392M.","Revenue $1.96B, down 6% YoY; NII $1.46B (-2% QoQ); NIM 2.87% (down 4 bps QoQ).","Period-end loans $141.8B (-1% QoQ); deposits $176.4B stable; LDR improved to 80.4%.","NCO ratio 52 bps (up 2 bps QoQ); ACL coverage 1.63%; CET1 ratio 10.7%.","Board declared $0.42 quarterly dividend, payable Aug 14, record Jul 31."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-24-000141","json":"https://secwatch.observer/filing/0000759944-24-000141.json","markdown":"https://secwatch.observer/filing/0000759944-24-000141.md","text":"https://secwatch.observer/filing/0000759944-24-000141.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000141/0000759944-24-000141-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000141/cfg-20240718.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:58:06.447832+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"}