{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-25-000099","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.293716+00:00","generated_at":"2026-05-18T06:04:30.197929+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Q2 EPS $0.92, up $0.15 QoQ; NII +3%, fee income +10%, operating leverage ~5%","bullets":["Net income $436M, diluted EPS $0.92; underlying EPS same.","Revenue $2,037M; pre-provision profit $718M (up 16% QoQ).","Net interest margin 2.95% (up 5 bps); loans up 1% spot; deposits up 1% average.","Net charge-offs 48 bps (down QoQ); ACL coverage 1.59%; CET1 10.6%.","TBV/share $35.23 (up 4% QoQ); Private Bank contributed $0.06 to EPS."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-25-000099","json":"https://secwatch.observer/filing/0000759944-25-000099.json","markdown":"https://secwatch.observer/filing/0000759944-25-000099.md","text":"https://secwatch.observer/filing/0000759944-25-000099.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000099/0000759944-25-000099-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000099/cfg-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:04:30.197929+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"}