{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-26-000070","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2026-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.705755+00:00","generated_at":"2026-05-15T05:57:51.083490+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens Financial Q1 net income $517M, EPS $1.13, up 47% YoY; NIM expands to 3.14%","bullets":["Net income $517M (+39% YoY); diluted EPS $1.13 (+47% YoY); ROTCE 12.2%.","Total revenue $2,168M (+12% YoY); NII $1,562M (+12% YoY); NIM FTE 3.14% (+24 bps YoY).","Positive operating leverage 7.2% YoY; PPNR $790M (+27% YoY).","Net charge-offs 39 bps (down 19 bps YoY); ACL coverage 1.52%; nonaccruals 1.04%.","Declares $0.46 quarterly common dividend, payable May 14, 2026 to holders of record Apr 30."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-26-000070","json":"https://secwatch.observer/filing/0000759944-26-000070.json","markdown":"https://secwatch.observer/filing/0000759944-26-000070.md","text":"https://secwatch.observer/filing/0000759944-26-000070.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/0000759944-26-000070-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/cfg-20260416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:57:51.083490+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":[{"claim_id":"44cc82f00461a1ae19bd9743bf41f89a23676e88","claim":"CITIZENS FINANCIAL GROUP INC/RI reported first quarter 2026 results: revenue $2,168 million, net income $517 million, EPS $1.13.","evidence_excerpt":"Citizens Financial Group, Inc. Reports First Quarter 2026 Net Income of $517 million, up 39% YoY, and EPS of $1.13, up 47% YoY","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/0000759944-26-000070-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2026"},{"label":"Revenue","value":"$2,168 million"},{"label":"Net income","value":"$517 million"},{"label":"EPS","value":"$1.13"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}