CFG · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Nov 2, 2026.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (12 versus 0). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| Boss MatthewHead of Consumer Banking | Payment of exercise price or tax liability (F)Table I · Disposed · Common Stock | 10,778 | $68.87 | $742,281 | 73,824 | Sep 1, 2026 | 1 filed lot
|
| Cumming Christine MDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 268.751 | —Grant, award, or other acquisition (A) | — | 52,932.889 | Aug 13, 2026 | 1 filed lot
|
| SIEKERKA MICHELE NDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 134.488 | —Grant, award, or other acquisition (A) | — | 66,456.162 | Aug 13, 2026 | 1 filed lot
|
| Leary Robert GDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 208.392 | —Grant, award, or other acquisition (A) | — | 33,782.057 | Aug 13, 2026 | 1 filed lot
|
| KELLY EDWARD J IIIDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 246.184 | —Grant, award, or other acquisition (A) | — | 39,908.537 | Aug 13, 2026 | 1 filed lot
|
| Swift ChristopherDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 162.168 | —Grant, award, or other acquisition (A) | — | 26,288.752 | Aug 13, 2026 | 1 filed lot
|
| ZURAITIS MARITADirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 268.751 | —Grant, award, or other acquisition (A) | — | 58,061.889 | Aug 13, 2026 | 1 filed lot
|
| Wade Claude E.Director | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 47.213 | —Grant, award, or other acquisition (A) | — | 7,653.559 | Aug 13, 2026 | 1 filed lot
|
| Lillis TerranceDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 246.184 | —Grant, award, or other acquisition (A) | — | 39,908.537 | Aug 13, 2026 | 1 filed lot
|
| Alexander LeeDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 162.168 | —Grant, award, or other acquisition (A) | — | 26,288.752 | Aug 13, 2026 | 1 filed lot
|
| Atkinson Tracy ADirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 78.444 | —Grant, award, or other acquisition (A) | — | 12,716.477 | Aug 13, 2026 | 1 filed lot
|
| Cummings KevinDirector | Grant, award, or other acquisition (A)Table I · Acquired · Common Stock | 134.488 | —Grant, award, or other acquisition (A) | — | 473,948.712 | Aug 13, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Flagship explainer
Start with net interest income, then follow the filed path to net income.
| Filed line | Value | % of net interest income | Source |
|---|---|---|---|
| $5.9B | 100% |
| |
| Income before tax | $2.3B | 40% |
|
| Income tax | $497M | 8% |
|
| $1.8B | 31% |
|
Flagship explainer
CITIZENS FINANCIAL GROUP INC/RI's filing tags don't support a full breakdown — here's what is filed:
| Filed line | Value | % of assets | Source |
|---|---|---|---|
| Total assets | $226.4B | 100% |
|
| Cash and equivalents | $12.7B | 6% |
|
| Property, plant and equipment | $915M | 0% |
|
| Goodwill | $8.2B | 4% |
|
| Deferred tax assets | $2.7B | 1% |
|
| Operating lease right-of-use assets | $958M | 0% |
|
| Total liabilities | $200.0B | 88% |
|
| $11.3B | 5% |
| |
| Stockholders’ equity | $26.3B | 12% |
|
Flagship explainer
One or more filed inputs needed for the five-factor decomposition are unavailable.
| Input | Value | Fiscal year | Source |
|---|---|---|---|
| Net income | $1.8B | FY2025 |
|
| Income before tax | $2.3B | FY2025 |
|
| Operating income | Unavailable | FY2025 |
|
| Revenue | $1.6B | FY2025 |
|
| Ending assets | $226.4B | FY2025 |
|
| Beginning assets | $217.5B | FY2024 |
|
| Ending equity | $26.3B | FY2025 |
|
| Beginning equity | $24.3B | FY2024 |
|
Flagship explainer
CITIZENS FINANCIAL GROUP INC/RI’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:
| Filed line | Value | % of cash from operations | Source |
|---|---|---|---|
| Cash from operations | $2.2B | 100% |
|
| Depreciation and amortization | $478M | 22% |
|
| Cash from investing | −$6.0B | −270% |
|
| Cash from financing | $5.9B | 266% |
|
| Net change in cash | $2.1B | 96% |
|
Curated 19-manager tier
Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.
0 holding0 exited18 not holding18/19 resolved1 not retrieved
| Manager | Reported position | Quarter-over-quarter | Filing accession |
|---|---|---|---|
| Abrams Capital | No position reported | No position reported |
|
| Akre Capital | No position reported | No position reported |
|
| Baupost Group | No position reported | No position reported |
|
| Berkshire Hathaway | No position reported | No position reported |
|
| Brave Warrior Advisors | No position reported | No position reported |
|
| Dodge & Cox | No position reported | No position reported |
|
| First Eagle | No position reported | No position reported |
|
| Fundsmith | No position reported | No position reported |
|
| Gardner Russo & Quinn | No position reported | No position reported |
|
| Gates Foundation Trust | No position reported | No position reported |
|
| Mairs & Power | No position reported | No position reported |
|
| Markel / Markel-Gayner | No position reported | No position reported |
|
| Oakmark / Harris Associates | No position reported | No position reported |
|
| Polen Capital | No position reported | No position reported |
|
| Sequoia / Ruane Cunniff | No position reported | No position reported |
|
| Southeastern Asset Management | No position reported | No position reported |
|
| Tweedy, Browne | No position reported | No position reported |
|
| Yacktman Asset Management | No position reported | No position reported |
|
| Pershing Square | Not retrieved | Comparison not retrieved | Filing not retrieved |
Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.
Flagship explainer
Records still being gathered — partial as of retrieval Nov 2, 2026.
Partial coverage: the incomplete Form 4 walk cannot establish no activity, an activity date, or zero counts.
Median ROE 8.3% on average equity, above the 10% hurdle in 11% of 9 years.
Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 10 years, ROE steady.
Net interest income is 2.76% of average assets, very steady over 9 years through FY2025.
Not scored for this company
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 62 | |
| Jul 26, 2026 | 62 | |
| Jul 26, 2026 | 62 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.