{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-26-000017","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.652772+00:00","generated_at":"2026-05-16T09:25:00.291986+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 Q4 net income $528M, EPS $1.13, up 36% YoY; full-year EPS $3.86 up 19% underlying","bullets":["Q4 net income $528M (up 32% YoY); diluted EPS $1.13 (up 36% YoY); revenue $2.16B (up 8.6% YoY).","Positive operating leverage 1.3% QoQ and 5.2% YoY; efficiency ratio 62.2%, improved 79 bps QoQ.","Net interest margin expanded 7 bps QoQ to 3.07%; period-end deposits $183.3B, up 2% QoQ; LDR 77.8%.","Credit trends favorable: NCO ratio 43 bps (down 3 bps QoQ); ACL coverage 1.53%; CET1 10.6%; TBV/share $38.07, up 4% QoQ.","Full-year 2025 underlying net income $1.8B, underlying EPS $3.86 (up 19% YoY); Private Bank contributed $0.10 to Q4 EPS."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-26-000017","json":"https://secwatch.observer/filing/0000759944-26-000017.json","markdown":"https://secwatch.observer/filing/0000759944-26-000017.md","text":"https://secwatch.observer/filing/0000759944-26-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000017/0000759944-26-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000017/cfg-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:25:00.291986+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"}