[8-K] CITIZENS FINANCIAL GROUP INC/RI Reports Material Event

Rhea-AI Filing Summary

Citizens Financial Group, Inc. (CFG) filed a Form 8-K to note that it announced its fourth quarter and full year 2025 earnings on January 21, 2026. The filing itself does not include detailed financial results but instead attaches the company’s earnings release and a separate financial supplement as exhibits.

The earnings press release is provided as Exhibit 99.1, and the financial supplement with additional data is provided as Exhibit 99.2. Together, these documents are intended to give investors a comprehensive view of Citizens’ performance for the final quarter of 2025 and the full year.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): January 22, 2026

 (Exact name of the registrant as specified in its charter)

Delaware						001-36636			05-0412693
(State or Other Jurisdiction of Incorporation)						(Commission File Number)			(I.R.S. Employer Identification Number)
One Citizens Plaza
Providence,			RI						02903
(Address of principal executive offices)									(Zip Code)

Registrant’s telephone number, including area code: (203) 900-6715

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading symbol(s)			Name of each exchange on which registered
Common stock, $0.01 par value per share			CFG			New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E			CFG PrE			New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 7.375% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series H			CFG PrH			New York Stock Exchange
Depositary Shares, each representing a 1/40th interest in a share of 6.500% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I			CFG PrI			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 8.01   Other Events.

On January 21, 2026, Citizens Financial Group, Inc. (the “Company”) announced its fourth quarter and full year 2025 earnings. The Company’s earnings results and financial supplement are being filed as Exhibits 99.1 and 99.2, respectively.

Item 9.01   Financial Statements and Exhibits.

			Exhibit Number						Description
(d)			Exhibit 99.1						Citizens Financial Group, Inc. earnings results for fourth quarter and full year 2025
			Exhibit 99.2						Citizens Financial Group, Inc. financial supplement for fourth quarter and full year 2025
			Exhibit 104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

CITIZENS FINANCIAL GROUP, INC.
By:						/s/ Aunoy Banerjee
						Aunoy Banerjee
						Executive Vice President and Chief Financial Officer

Date:  January 22, 2026

FAQ

What did Citizens Financial Group (CFG) disclose in this Form 8-K?

Citizens Financial Group, Inc. disclosed that it announced its fourth quarter and full year 2025 earnings and filed the related earnings results and financial supplement as exhibits.

Which periods do the Citizens Financial Group (CFG) earnings materials cover?

The earnings materials cover Citizens Financial Group’s fourth quarter 2025 and full year 2025 results.

When did Citizens Financial Group (CFG) announce its Q4 and full-year 2025 earnings?

Citizens Financial Group announced its fourth quarter and full year 2025 earnings on January 21, 2026.

Where can investors find the detailed Citizens Financial Group (CFG) 2025 earnings numbers?

Detailed results are included in Exhibit 99.1 (earnings results) and Exhibit 99.2 (financial supplement) to the Form 8-K.

What exhibits are attached to this Citizens Financial Group (CFG) Form 8-K?

The Form 8-K includes Exhibit 99.1 with earnings results for fourth quarter and full year 2025, Exhibit 99.2 with the financial supplement for the same periods, and Exhibit 104 with the cover page interactive data file.

Does this Citizens Financial Group (CFG) Form 8-K include full financial statements?

Full financial details are not in the main text; they are provided in the attached earnings results and financial supplement exhibits.