{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-25-000139","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2025-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.095543+00:00","generated_at":"2026-05-17T03:49:02.618587+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Q3 net income $494M, EPS $1.05; PPNR up 9% QoQ","bullets":["EPS of $1.05 vs $0.92 in Q2; ROTCE 11.7% vs 11.0%.","PPNR $783M, up 9% QoQ; NII +3.5%, NIM expanded 5 bps to 3.00%.","Capital Markets revenue surged 58% QoQ; Wealth up 6% QoQ.","Net charge-offs 46 bps, down 2 bps QoQ; CET1 10.7%; TBV/share $36.73 (+4% QoQ).","Efficiency ratio improved ~170 bps to 63.0%; positive operating leverage 3%."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-25-000139","json":"https://secwatch.observer/filing/0000759944-25-000139.json","markdown":"https://secwatch.observer/filing/0000759944-25-000139.md","text":"https://secwatch.observer/filing/0000759944-25-000139.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000139/0000759944-25-000139-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994425000139/cfg-20251015.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:49:02.618587+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"}