{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-24-000170","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2024-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.978862+00:00","generated_at":"2026-05-30T14:12:39.398814+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Financial Q3 net income drops to $382M; underlying EPS $0.79; CET1 10.6%","bullets":["Net income $382M ($0.77 EPS); underlying net income $392M ($0.79 EPS).","Total revenue $1,901M, down 3% QoQ; NIM 2.77% vs 2.87% prior quarter.","CET1 ratio 10.6%; TBV/share $33.54, up 9.6% QoQ; LDR 80.8%.","Period-end loans stable at $141.6B; Private Bank loans +$634M to $2.0B; deposits +$1.6B to $5.6B.","NCO ratio 0.54%, up 2 bps QoQ; provision $172M; ACL coverage 1.61%."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-24-000170","json":"https://secwatch.observer/filing/0000759944-24-000170.json","markdown":"https://secwatch.observer/filing/0000759944-24-000170.md","text":"https://secwatch.observer/filing/0000759944-24-000170.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000170/0000759944-24-000170-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994424000170/cfg-20241016.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T14:12:39.398814+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"}