secwatch.observer — SEC 8-K summary
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Issuer:     CITIZENS FINANCIAL GROUP INC/RI (CFG)
CIK:        0000759944
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0000759944-26-000017
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/759944/000075994426000017/0000759944-26-000017-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/759944/000075994426000017/cfg-20260121.htm
  HTML page:      https://secwatch.observer/filing/0000759944-26-000017

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