---
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"
generated_at: "2026-05-18T04:46:03.686626+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q2 2025 EPS $0.92, revenue $2.04B; proposes Series I preferred offering

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-25-000102
- JSON: https://secwatch.observer/filing/0000759944-25-000102.json
- Plain text: https://secwatch.observer/filing/0000759944-25-000102.txt

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