CITIZENS FINANCIAL GROUP INC/RI
CFG · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Insider activity
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 Sep 17, 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 .
Visual explainers
The filing-backed explainer service is temporarily unavailable, so no partial or guessed chart is shown.
What the financial-sector model scores (bank)
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
- Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
- Underwriting applies to insurance carriers; not part of the bank model.
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
Fundamentals
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.
Financial-sector score history
| 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.