{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-25-000051","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.192349+00:00","generated_at":"2026-05-23T14:05:46.082089+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens posts Q1 net income $373M, EPS $0.77; agrees to sell $1.9B in non-core education loans","bullets":["Net income $373M, diluted EPS $0.77; underlying EPS $0.77; ROTCE 9.6%.","Revenue $1.935B, down 2.6% QoQ; PPNR $621M, down 9% on an underlying basis.","Period-end loans $137.6B, down 1% QoQ from $1.9B non-core education loan sale; core loans up ~1%.","Spot deposits $177.6B, up 2% QoQ; Private Bank deposits up $1.7B to $8.7B.","CET1 ratio 10.64%; TBV/share $33.97, up 5% QoQ; NCO ratio 0.58% (excl. sale 0.51%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-25-000051","json":"https://secwatch.observer/filing/0000759944-25-000051.json","markdown":"https://secwatch.observer/filing/0000759944-25-000051.md","text":"https://secwatch.observer/filing/0000759944-25-000051.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000051/0000759944-25-000051-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000051/cfg-20250416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T14:05:46.082089+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"}