{"schema_version":"secwatch.filing_event.v1","accession":"0000759944-26-000206","form_type":"8-K","ticker":"CFG","cik":"0000759944","company_name":"CITIZENS FINANCIAL GROUP INC/RI","filed_at":"2026-10-16T10:34:50+00:00","discovered_at":"2026-10-16T10:40:00.339741+00:00","generated_at":"2026-10-16T10:40:05.400843+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Financial Q3 2026 EPS $1.41, up 34% YoY; net income $636M; dividend raised 13% to $0.52","bullets":["Net income of $636M, up 29% YoY; diluted EPS $1.41 vs $1.05 a year ago and $1.30 in 2Q26; ROTCE 15.1% and pre-provision profit of $929M, up 18.6% YoY.","Total revenue $2,322M, up 10% YoY; net interest income $1,675M (+13% YoY) with NIM, FTE, of 3.19%, up 19 bps YoY; efficiency ratio improved to 60.0% from 63.0%.","Board declared a 13% dividend increase to $0.52 per share, payable Nov 13, 2026 to holders of record Oct 30, 2026; buyback capacity raised $1.3B to $1.95B.","Wealth fees set a record $109M (+17% YoY); mortgage banking fees fell 29% YoY to $35M on lower MSR valuation; capital markets fees dropped 10% YoY to $149M.","Credit broadly favorable: net charge-offs 37 bps, stable QoQ, vs 46 bps a year ago; provision $125M vs $154M; CET1 10.5%; TBV/share $35.78, down 6.6% QoQ on higher long-term rates."],"urls":{"canonical":"https://secwatch.observer/filing/0000759944-26-000206","json":"https://secwatch.observer/filing/0000759944-26-000206.json","markdown":"https://secwatch.observer/filing/0000759944-26-000206.md","text":"https://secwatch.observer/filing/0000759944-26-000206.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000206/0000759944-26-000206-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/759944/000075994426000206/cfg-20261016.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-16T10:40:05.400843+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"}