{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-26-000020","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.653002+00:00","generated_at":"2026-05-16T09:09:19.487249+00:00","sec_items":["8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Q4 EPS $1.13, ROTCE 12.2%; dividend $0.46","bullets":["EPS of $1.13, up 8% QoQ; ROTCE 12.2% vs 11.7% in Q3.","Total revenue $2.157B, up 2% QoQ; NIM expanded 7 bps to 3.07%.","Pre-provision profit $814M, up 4% QoQ, 19% YoY.","Net charge-off ratio improved to 0.43%, down 3 bps QoQ.","Quarterly dividend declared $0.46/share, payable Feb 18, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-26-000020","json":"https://secwatch.observer/filing/0000759944-26-000020.json","markdown":"https://secwatch.observer/filing/0000759944-26-000020.md","text":"https://secwatch.observer/filing/0000759944-26-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000020/0000759944-26-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000020/cfg-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:09:19.487249+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"}