---
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"
generated_at: "2026-07-16T10:35:07.684445+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q2 net income $587M, EPS $1.30, up 41% YoY; revenue up 12%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-26-000133
- JSON: https://secwatch.observer/filing/0000759944-26-000133.json
- Plain text: https://secwatch.observer/filing/0000759944-26-000133.txt

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