secwatch.observer — SEC 8-K summary
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Issuer:     CITIZENS FINANCIAL GROUP INC/RI (CFG)
CIK:        0000759944
Form:       8-K
Filed at:   2025-07-17T23:59:59+00:00
Accession:  0000759944-25-000099
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/759944/000075994425000099/0000759944-25-000099-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/759944/000075994425000099/cfg-20250717.htm
  HTML page:      https://secwatch.observer/filing/0000759944-25-000099

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer