---
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"
generated_at: "2026-05-15T05:57:51.083490+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q1 net income $517M, EPS $1.13, up 47% YoY; NIM expands to 3.14%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-26-000070
- JSON: https://secwatch.observer/filing/0000759944-26-000070.json
- Plain text: https://secwatch.observer/filing/0000759944-26-000070.txt

## Key facts
- Earnings Releases
  CITIZENS FINANCIAL GROUP INC/RI reported first quarter 2026 results: revenue $2,168 million, net income $517 million, EPS $1.13.
  - Period: first quarter 2026
  - Revenue: $2,168 million
  - Net income: $517 million
  - EPS: $1.13
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/759944/000075994426000070/0000759944-26-000070-index.htm

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