---
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"
generated_at: "2026-05-17T03:49:02.618587+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q3 net income $494M, EPS $1.05; PPNR up 9% QoQ

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-25-000139
- JSON: https://secwatch.observer/filing/0000759944-25-000139.json
- Plain text: https://secwatch.observer/filing/0000759944-25-000139.txt

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