---
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"
generated_at: "2026-05-16T09:09:19.487249+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Q4 EPS $1.13, ROTCE 12.2%; dividend $0.46

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-26-000020
- JSON: https://secwatch.observer/filing/0000759944-26-000020.json
- Plain text: https://secwatch.observer/filing/0000759944-26-000020.txt

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