{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-26-000133","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2026-07-16T10:32:21+00:00","discovered_at":"2026-07-16T10:35:00.249999+00:00","generated_at":"2026-07-16T10:35:07.684445+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Citizens Financial Q2 net income $587M, EPS $1.30, up 41% YoY; revenue up 12%","bullets":["Net income $587M, EPS $1.30, up 41% YoY and 15% QoQ; ROTCE 13.9%.","Revenue $2,283M, up 12% YoY; NII +14% YoY, fees +9% YoY; positive operating leverage 6.4%.","Loans up 3% spot QoQ; NCO ratio 37bps, down 2bps QoQ; CET1 10.4%.","Private Bank contributed $0.15 to EPS, up from $0.11 in Q1; record Capital Markets and Wealth fees.","Dividend $0.46/share declared, payable Aug 13; TBV/share $38.29, up 1% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-26-000133","json":"https://secwatch.observer/filing/0000759944-26-000133.json","markdown":"https://secwatch.observer/filing/0000759944-26-000133.md","text":"https://secwatch.observer/filing/0000759944-26-000133.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/0000759944-26-000133-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000133/cfg-20260716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-16T10:35:07.684445+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"}