---
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"
generated_at: "2026-05-16T09:25:00.291986+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q4 net income $528M, EPS $1.13, up 36% YoY; full-year EPS $3.86 up 19% underlying

## Summary
- 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.

## SEC filing metadata
- 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
- 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/759944/000075994426000017/0000759944-26-000017-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/759944/000075994426000017/cfg-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-26-000017
- JSON: https://secwatch.observer/filing/0000759944-26-000017.json
- Plain text: https://secwatch.observer/filing/0000759944-26-000017.txt

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