---
schema_version: "secwatch.filing_event.v1"
accession: "0000759944-26-000139"
form_type: "8-K"
ticker: "CFG"
cik: "0000759944"
company_name: "CITIZENS FINANCIAL GROUP INC/RI"
filed_at: "2026-07-21T12:22:21+00:00"
generated_at: "2026-07-21T12:25:07.790022+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q2 EPS $1.30, revenue $2.28B; launches Series J preferred offering

## Summary
- EPS $1.30 (up 41% YoY); ROTCE 13.9% vs 11.0% YoY.
- PPNR $889M (+24% YoY); NII $1.63B (+14% YoY); NIM 3.17% (+22 bps YoY).
- Loans +3% spot QoQ; deposits +1% spot; NCOs 37 bps, down 2 bps QoQ.
- Proposed Series J preferred offering; proceeds to redeem Series G (4.000% fixed-rate reset) preferred stock.
- Common dividend $0.46/share payable Aug 13; $225M share repurchases in Q2.

## SEC filing metadata
- accession: 0000759944-26-000139
- form_type: 8-K
- ticker: CFG
- cik: 0000759944
- company_name: CITIZENS FINANCIAL GROUP INC/RI
- filed_at: 2026-07-21T12:22:21+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/759944/000075994426000139/0000759944-26-000139-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/759944/000075994426000139/cfg-20260721.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-26-000139
- JSON: https://secwatch.observer/filing/0000759944-26-000139.json
- Plain text: https://secwatch.observer/filing/0000759944-26-000139.txt

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