{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-25-000005","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2025-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.288206+00:00","generated_at":"2026-05-27T23:35:06.008273+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Q4 2024 net income $401M ($0.83 EPS); underlying EPS $0.85","bullets":["Net income of $401M vs $189M in Q4 2023; GAAP EPS $0.83 vs $0.34 YoY.","Underlying net income $412M; underlying EPS $0.85 (flat YoY); underlying PPNR $684M, up 4% QoQ.","Net interest margin (FTE) improved 10 bps to 2.87%; total revenue $1,986M, roughly flat YoY.","CET1 ratio 10.8% (up from 10.6% in Q3); period-end loans $139.2B, down 1.7% QoQ amid Non-Core run-off.","Private Bank lending grew $1.1B to $3.1B; spot deposits up $1.4B to $7.0B; LDR 79.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-25-000005","json":"https://secwatch.observer/filing/0000759944-25-000005.json","markdown":"https://secwatch.observer/filing/0000759944-25-000005.md","text":"https://secwatch.observer/filing/0000759944-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000005/0000759944-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000005/cfg-20250117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T23:35:06.008273+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"}