---
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"
generated_at: "2026-10-16T10:40:05.400843+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens Financial Q3 2026 EPS $1.41, up 34% YoY; net income $636M; dividend raised 13% to $0.52

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000759944-26-000206
- JSON: https://secwatch.observer/filing/0000759944-26-000206.json
- Plain text: https://secwatch.observer/filing/0000759944-26-000206.txt

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