{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-25-000102","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2025-07-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.293931+00:00","generated_at":"2026-05-18T04:46:03.686626+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Citizens Financial Q2 2025 EPS $0.92, revenue $2.04B; proposes Series I preferred offering","bullets":["EPS of $0.92, up $0.15 QoQ; underlying EPS also $0.92. Revenue $2,037M, up 5.3% QoQ.","PPNR $718M, up 16% QoQ; NIM expanded 5 bps to 2.95%. Efficiency ratio improved to 64.8%.","Loans up 1% QoQ to $139.3B; NCO ratio 48 bps, down from 58 bps QoQ. CET1 ratio 10.6%.","Quarterly common dividend declared $0.42/share, payable Aug 14, 2025 to holders of record July 31.","Launched proposed offering of Series I Fixed-Rate Reset Preferred Stock; proceeds to redeem Series F Preferred."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-25-000102","json":"https://secwatch.observer/filing/0000759944-25-000102.json","markdown":"https://secwatch.observer/filing/0000759944-25-000102.md","text":"https://secwatch.observer/filing/0000759944-25-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000102/0000759944-25-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000102/cfg-20250722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T04:46:03.686626+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"}