---
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"
generated_at: "2026-05-18T06:04:30.197929+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Q2 EPS $0.92, up $0.15 QoQ; NII +3%, fee income +10%, operating leverage ~5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-25-000099
- JSON: https://secwatch.observer/filing/0000759944-25-000099.json
- Plain text: https://secwatch.observer/filing/0000759944-25-000099.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.