CITIZENS FINANCIAL GROUP INC/RI (CFG-PI)

Insider Trading Filed: 2026-05-15

Key Insights

Director Robert G. Leary acquired 250.55 restricted stock units (RSUs) on 05/14/2026 with $0 cost, reflecting dividend reinvestment into RSUs under the 2014 Non-Employee Directors Compensation Plan rather than a discretionary open market purchase.
The reporting person's total beneficial ownership increased to 33,573.665 shares following this transaction, indicating substantial accumulated equity stake as a board member.
This is a routine RSU grant mechanism for non-employee directors tied to dividend payments, representing compensation alignment rather than a significant insider confidence signal about future company performance.

Insider Trading Filed: 2026-05-15

Key Insights

Director Edward Kelly acquired 295.988 restricted stock units (RSUs) on 05/14/2026 through dividend reinvestment under the Non-Employee Directors Compensation Plan, bringing total beneficial ownership to 39,662.353 shares.
This transaction represents a routine compensation event rather than discretionary insider buying, as RSUs were automatically credited following a dividend payment on existing director awards.
The filing shows no derivative securities activity and the acquisition occurred at $0 price, indicating this was a non-cash dividend reinvestment rather than a market purchase signal.

Insider Trading Filed: 2026-05-15

Key Insights

Director Tracy A. Atkinson acquired 94.314 restricted stock units (RSUs) on 05/14/2026 through dividend reinvestment under the 2014 Non-Employee Directors Compensation Plan, bringing total beneficial ownership to 12,638.033 shares.
This transaction represents a routine dividend-related RSU credit rather than discretionary insider buying, indicating no material change in insider confidence or market outlook.
The acquisition price of $0 reflects the automatic nature of dividend reinvestment RSUs, which are granted at no cost to the director as part of standard compensation arrangements.

Insider Trading Filed: 2026-05-15

Key Insights

Director Wade Claude E. acquired 56.764 restricted stock units (RSUs) on 05/14/2026 at $0 cost, reflecting a dividend reinvestment on existing director compensation rather than a discretionary open-market purchase.
The reporting person's total beneficial ownership increased to 7,606.346 shares following this transaction, indicating substantial accumulated equity stake as a board member.
Transaction was executed under Citizens Financial Group's 2014 Non-Employee Directors Compensation Plan, suggesting routine dividend-equivalent RSU crediting rather than a signal of insider confidence or concern about company direction.

Insider Trading Filed: 2026-05-15

Key Insights

Director Marita Zuraitis acquired 323.121 shares of CFG common stock on 05/14/2026 through restricted stock units credited as a dividend payment under the company's Non-Employee Directors Compensation Plan, indicating routine director compensation activity.
The transaction was executed at $0 price, confirming this was a dividend reinvestment of RSUs rather than a market purchase, which is a standard non-cash compensation mechanism for board members.
Following this transaction, the reporting person now beneficially owns 57,793.138 shares directly, demonstrating significant accumulated equity stake as a director aligned with shareholder interests.

Insider Trading Filed: 2026-05-15

Key Insights

Director Terrance Lillis acquired 295.988 restricted stock units (RSUs) on 05/14/2026 through dividend reinvestment under the Non-Employee Directors Compensation Plan, indicating continued equity participation at zero cost.
Total beneficial ownership stands at 39,662.353 shares directly owned plus 4,000 shares held indirectly through spouse's revocable trust, demonstrating substantial long-term alignment with shareholder interests.
The transaction represents automatic RSU crediting rather than discretionary open market purchases, suggesting routine administrative compensation mechanics rather than insider confidence signals about future stock performance.

Insider Trading Filed: 2026-05-15

Key Insights

Director Kevin Cummings acquired 161.696 restricted stock units (RSUs) on 05/14/2026 as dividend payment credits under the Non-Employee Directors Compensation Plan, representing a routine equity compensation transaction with no cash outlay.
Cummings' total beneficial ownership increased to 473,814.224 shares directly held, plus 57,916 shares indirectly owned through an IRA, indicating substantial personal investment alignment with shareholders.
The transaction was executed at $0 price (dividend reinvestment mechanism), reflecting automatic equity compensation rather than open market trading activity, which provides minimal signal on insider sentiment regarding stock valuation.

Insider Trading Filed: 2026-05-15

Key Insights

Director Christopher Swift acquired 194.975 restricted stock units (RSUs) on 05/14/2026 as dividend reinvestment under the Non-Employee Directors Compensation Plan, bringing total beneficial ownership to 26,126.584 shares.
The acquisition was executed at $0 price, indicating this was a non-cash dividend reinvestment event rather than a market purchase, suggesting automatic dividend compounding for director compensation.
As a sitting Director, Swift's continued equity accumulation through dividend reinvestment demonstrates alignment with shareholder interests, though the relatively modest RSU grant size ($0 cost basis) indicates routine director compensation activity.

Insider Trading Filed: 2026-05-15

Key Insights

Director Christine M. Cumming acquired 323.121 restricted stock units (RSUs) on 05/14/2026 as a dividend payment credited to her account under the 2014 Non-Employee Directors Compensation Plan, bringing her total beneficial ownership to 52,664.138 shares.
This transaction represents a routine equity compensation event tied to dividend reinvestment for non-employee directors, indicating no discretionary buying or selling activity by the insider.
The acquisition at $0 price reflects the non-cash nature of RSU dividend credits rather than an open market purchase, suggesting alignment with standard director compensation practices at Citizens Financial Group.

Insider Trading Filed: 2026-05-15

Key Insights

Director Michele N. Siekerka acquired 161.696 restricted stock units (RSUs) on 05/14/2026 through dividend reinvestment under the Non-Employee Directors Compensation Plan, indicating continued director-level equity compensation at no cost ($0 price).
Total beneficial ownership of common stock stands at 66,321.674 shares directly held plus 6,102 shares indirectly held in an IRA and 594 shares held by family members (daughter and son), demonstrating substantial personal investment aligned with shareholder interests.
The transaction reflects routine compensation practice for board members rather than discretionary insider buying, suggesting confidence in company direction but not providing strong signals about management's assessment of undervaluation.

Insider Trading Filed: 2026-05-15

Key Insights

Director Alexander Lee received 194.975 restricted stock units (RSUs) as a dividend payment on restricted stock on 05/14/2026, with a $0 transaction price indicating this was a non-cash equity award distribution.
Lee's total beneficial ownership increased to 26,126.584 shares following this transaction, demonstrating continued equity accumulation by a board member.
The transaction was executed under the Amended & Restated Citizens Financial Group 2014 Non-Employee Directors Compensation Plan, confirming this is routine director compensation rather than discretionary open-market activity.

Insider Trading Filed: 2026-05-14

Key Insights

Chief Legal Officer Michelle Moosally sold 6,050 shares of CFG at $62.16 per share on May 12, 2026, representing a significant insider sale by a senior executive officer.
Following the transaction, Moosally maintains direct beneficial ownership of 22,565 shares, indicating she retains substantial equity stake despite the sale.
The sale occurred without notation of a Rule 10b5-1 trading plan, suggesting this was a discretionary transaction rather than part of a pre-planned divestment strategy.
As Chief Legal Officer, insider selling by this executive-level officer may signal reduced confidence in near-term stock performance or represent portfolio rebalancing.

Quarterly Report Filed: 2026-05-04

Key Insights

CFG filed Q1 2026 10-Q on May 4, 2026, covering the period ended March 31, 2026, indicating normal quarterly reporting cadence with no apparent delays or material filing issues.
The filing includes detailed segment breakdowns for Commercial and Consumer portfolio segments, with specific loan categories (commercial loans, real estate, residential mortgages, auto, student, and home equity), suggesting active portfolio management and risk monitoring across diversified lending channels.
Multiple preferred stock series (E, H, and I) are present in the capital structure, indicating a layered funding approach that provides flexibility in capital management and potential tax efficiency for the financial institution.
The inclusion of detailed asset-pledged-as-collateral tracking and securities repurchase data demonstrates active liquidity management and potential engagement in repo markets for operational funding needs.
Loan quality disclosures across risk ratings (Pass, Special Mention, Substandard, Doubtful) for both commercial loans and real estate suggest CFG maintains granular credit risk monitoring and compliance with regulatory stress testing requirements.

Insider Trading Filed: 2026-04-24

Key Insights

Director Terrance Lillis acquired 2,608 restricted stock units (RSUs) on 04/23/2026 at $0 price as compensation under Citizens Financial's 2014 Non-Employee Directors Compensation Plan, indicating standard director equity grants rather than open market purchases.
Total beneficial ownership increased to 39,366.365 shares following the transaction, with 4,000 shares held indirectly through a spouse's revocable trust, demonstrating established equity stakes in the company.
The filing is routine director compensation activity with no material open market trading signals; RSU grants at $0 represent vesting of pre-arranged compensation rather than insider conviction about stock valuation.

Current Report Filed: 2026-04-24

Key Insights

All 12 director nominees were successfully elected with strong shareholder support, with most receiving over 95% approval votes, indicating stable governance and investor confidence in the board composition.
Advisory vote on executive compensation passed decisively with 91.4% shareholder approval (327.2M for vs 30.6M against), demonstrating strong alignment between management pay practices and shareholder interests.
Shareholder proposal for majority voting standard was decisively rejected with 89.9% opposition (321.4M against vs 36.2M for), showing shareholders prefer the current plurality voting system and board nomination process.
Deloitte & Touche LLP was ratified as the independent auditor with 92.3% approval, indicating continued stakeholder confidence in the company's financial reporting and audit oversight processes.

Insider Trading Filed: 2026-04-24

Key Insights

Director Marita Zuraitis acquired 2,608 restricted stock units (RSUs) on 04/23/2026 as part of the Non-Employee Directors Compensation Plan, with zero exercise price indicating this is a grant rather than a market purchase.
The acquisition increases Zuraitis' beneficial ownership to 57,470.017 shares, demonstrating continued alignment between board leadership and shareholder interests through equity compensation.
The transaction represents routine director compensation through the standard equity grant program; the use of RSUs rather than cash compensation is typical for maintaining executive alignment with company performance.

Insider Trading Filed: 2026-04-24

Key Insights

Director Edward J Kelly III acquired 2,608 restricted stock units (RSUs) on 04/23/2026 with zero dollar price, representing a standard non-employee director compensation grant rather than open market purchase.
Kelly's total beneficial ownership increased to 39,366.365 shares following this grant, indicating meaningful accumulated equity stake in Citizens Financial Group.
The transaction was executed under the Amended & Restated 2014 Non-Employee Directors Compensation Plan, reflecting routine director compensation practices with no discretionary buying signal.

Insider Trading Filed: 2026-04-24

Key Insights

Director Christine M. Cumming acquired 2,608 restricted stock units (RSUs) on April 23, 2026, with zero purchase price, indicating a standard equity compensation grant rather than open market acquisition.
Cumming's total beneficial ownership increased to 52,341.017 shares following this transaction, suggesting sustained confidence in the company by board leadership.
The RSU grant was issued under the Amended & Restated Citizens Financial Group 2014 Non-Employee Directors Compensation Plan, reflecting routine director compensation practices with no material insider trading signals.

Insider Trading Filed: 2026-04-24

Key Insights

Director Alexander Lee acquired 2,608 restricted stock units (RSUs) on April 23, 2026, as part of the standard non-employee director compensation plan, indicating routine equity grants rather than discretionary insider purchases.
The transaction was executed at $0 price, confirming this is a compensation award rather than an open-market buy, which limits its usefulness as a signal of insider confidence in the stock.
Following this grant, Lee's total beneficial ownership stands at 25,931.609 shares, representing a modest ownership stake that suggests limited personal financial commitment beyond standard director compensation.

Insider Trading Filed: 2026-04-24

Key Insights

Director Christopher Swift acquired 2,608 restricted stock units (RSUs) on 04/23/2026 as part of standard non-employee director compensation under the 2014 plan, bringing his total beneficial ownership to 25,931.609 shares.
This transaction represents routine director compensation rather than discretionary open-market buying, indicating no significant insider conviction signal about the company's near-term prospects.
The $0 price notation for the RSU award reflects that this is a grant rather than a purchase, meaning Swift received shares as compensation without capital outlay.

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