Form 8-K

8-K — CITIZENS FINANCIAL GROUP INC/RI

Accession: 0000759944-26-000192

Filed: 2026-10-08

Period: 2026-10-06

CIK: 0000759944

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

Item: Financial Statements and Exhibits

Documents

8-K — cfg-20261006.htm (Primary)

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8-K

8-K (Primary)

Filename: cfg-20261006.htm · Sequence: 1

cfg-20261006

CITIZENS FINANCIAL GROUP INC/RI0000759944false12/3100007599442026-10-072026-10-070000759944us-gaap:CommonStockMember2026-10-072026-10-070000759944us-gaap:SeriesEPreferredStockMember2026-10-072026-10-070000759944us-gaap:SeriesHPreferredStockMember2026-10-072026-10-070000759944cfg:SeriesIPreferredStockMember2026-10-072026-10-07

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): October 6, 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 5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year.

On October 6, 2026, Citizens Financial Group, Inc. (the “Company”) filed a Certificate of Elimination to its Restated Certificate of Incorporation with the Secretary of State of the State of Delaware, which, effective upon filing, eliminated from the Restated Certificate of Incorporation all matters set forth in the Certificate of Designations with respect to its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G (the “Series G Preferred Stock”). All outstanding shares of the Series G Preferred Stock were redeemed on October 6, 2026. A copy of the Certificate of Elimination relating to the Series G Preferred Stock is filed as Exhibit 3.1 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

Exhibit Number Description

(d) Exhibit 3.1

Certificate of Elimination relating to the Series G Preferred stock, dated October 6, 2026

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/ Pamela J. Brow

Pamela J. Brow

Executive Vice President, Deputy General Counsel and Corporate Secretary

Date: October 8, 2026

EX-3.1

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Document

CERTIFICATE OF ELIMINATION

4.000% FIXED-RATE RESET NON-CUMULATIVE PERPETUAL

PREFERRED STOCK, SERIES G

CITIZENS FINANCIAL GROUP, INC.

Pursuant to Section 151(g) of the

General Corporation Law of the State of Delaware

Citizens Financial Group, Inc., a Delaware corporation (the “Company”), hereby certifies in accordance with the provisions of Section 151(g) of the General Corporation Law of the State of Delaware that the following resolutions included in the resolutions adopted by the Board of Directors of the Company (the “Board”) on April 1, 2026, with respect to its 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G, $25.00 par value, liquidation preference $1,000 per share (the “Series G Preferred Stock”) and the Certificate of Designation with respect to the Series G Preferred Stock as filed with the Secretary of State of the State of Delaware on June 8, 2021, were duly adopted upon the completion of the redemption of all outstanding shares of the Series G Preferred Stock:

RESOLVED, that pursuant to Section 151 of the General Corporation Law of the State of Delaware and in accordance with the provisions of the Restated Certificate of Incorporation and the Bylaws of the Company and applicable law, a duly authorized committee of the Board adopted on June 2, 2021 resolutions authorizing the creation of 300,000 shares of 4.000% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series G, par value $25.00 per share, liquidation preference $1,000 per share, of the Company (the “Series G Preferred Stock”), and fixed the designation, preferences, privileges, voting rights, and other special or qualifications, limitations and restrictions thereof, and authorized the filing of the Certificate of Designation with respect to the Series G Preferred Stock (the “Series G Certificate of Designation”) with the Secretary of State of the State of Delaware.

RESOLVED, that, as of the date hereof, no shares of the Series G Preferred Stock are outstanding and no shares of the Series G Preferred Stock will be issued subject to the Series G Certificate of Designation.

RESOLVED, that when a certificate setting forth this resolution becomes effective, it shall have the effect of eliminating from the Company’s Restated Certificate of Incorporation all matters set forth in the Series G Certificate of Designations with respect to the Series G Preferred Stock.

RESOLVED, that any of the Chief Executive Officer, the Chief Financial Officer, any Vice Chairman, the Treasurer, the Deputy Treasurer, the Chief Legal Officer, the Chief Accounting Officer, the Corporate Secretary, any Executive Vice President, and any Senior Vice President of the Company or their respective designees is hereby authorized, in the name and on behalf of the Company, to prepare, execute and file with the Secretary of State of the State of Delaware a Certificate of Elimination relating to the Series G Preferred Stock.

IN WITNESS WHEREOF, the undersigned Company has caused this Certificate to be signed by a duly authorized officer this 6th day of October, 2026.

CITIZENS FINANCIAL GROUP, INC.

By: /s/ Pamela J. Brow

Name: Pamela J. Brow

Title: Executive Vice President, Deputy General Counsel and Secretary

[Signature Page to Certificate of Elimination]

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Document and Entity Information Document

Oct. 07, 2026

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Trading Symbol

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