secwatch.observer — SEC 8-K summary
======================================

Issuer:     CITIZENS FINANCIAL GROUP INC/RI (CFG)
CIK:        0000759944
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0000759944-26-000020
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/759944/000075994426000020/0000759944-26-000020-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/759944/000075994426000020/cfg-20260122.htm
  HTML page:      https://secwatch.observer/filing/0000759944-26-000020

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer