CITIZENS FINANCIAL GROUP INC/RI
CFG, CFG-PE, CFG-PH, CFG-PI · State Commercial Banks · 422.9M shares · +1%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $819M (gross $906M, SBC $87M)
Reference price $62.16 · est. market cap ~$26.3B — last insider sale, 2026-05-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C60Large diversified regional bank with improving earnings but sub-par returns relative to peers.
Strengths
- Earnings up 21% with growing C&I lending, Private Bank expansion, and a large tangible-book base (96th pct)
- High-quality, highly liquid securities portfolio supporting strong contingent liquidity
Risks
- Weak returns: ROE 7.0% (23rd pct), ROA 0.8% (29th pct), net margin 28th pct
- Elevated leverage (84th pct), CRE exposure, and heightened supervisory expectations
Notable findings
- Insider sellingInsider selling — 2 open-market sale(s) by 2 insider(s) (cluster of 2 insiders, ~$1M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
22.2%
Return on equity
7.0%
Return on assets
0.8%
Revenue growth (QoQ)
0.5%
Net-income growth
21.3%
Debt / equity
0.4×
Tangible book value
$18.0B
Stock comp / revenue
1.5%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Stein Richard L. | Tax withheld | 4.9K | $67.65 |
| 2026-05-14 | Cumming Christine M | Grant | 323 | — |
| 2026-05-14 | Leary Robert G | Grant | 251 | — |
| 2026-05-14 | Swift Christopher | Grant | 195 | — |
| 2026-05-14 | Cummings Kevin | Grant | 162 | — |
| 2026-05-14 | Lillis Terrance | Grant | 296 | — |
| 2026-05-14 | ZURAITIS MARITA | Grant | 323 | — |
| 2026-05-14 | Wade Claude E. | Grant | 57 | — |
| 2026-05-14 | Atkinson Tracy A | Grant | 94 | — |
| 2026-05-14 | KELLY EDWARD J III | Grant | 296 | — |
| 2026-05-14 | Alexander Lee | Grant | 195 | — |
| 2026-05-14 | SIEKERKA MICHELE N | Grant | 162 | — |
| 2026-05-12 | Moosally Michelle | Sell | 6.0K | $62.16 |
| 2026-04-23 | Lillis Terrance | Grant | 2.6K | — |
| 2026-04-23 | Cummings Kevin | Grant | 2.6K | — |
| 2026-04-23 | Leary Robert G | Grant | 2.6K | — |
| 2026-04-23 | Wade Claude E. | Grant | 2.6K | — |
| 2026-04-23 | SIEKERKA MICHELE N | Grant | 2.6K | — |
| 2026-04-23 | Atkinson Tracy A | Grant | 2.6K | — |
| 2026-04-23 | Swift Christopher | Grant | 2.6K | — |
| 2026-04-23 | Alexander Lee | Grant | 2.6K | — |
| 2026-04-23 | Cumming Christine M | Grant | 2.6K | — |
| 2026-04-23 | KELLY EDWARD J III | Grant | 2.6K | — |
| 2026-04-23 | ZURAITIS MARITA | Grant | 2.6K | — |
| 2026-03-11 | LaMonica Susan | Sell | 13K | $58.04 |
| 2026-03-01 | LaMonica Susan | Grant | 12K | — |
| 2026-03-01 | Swimmer Theodore C | Grant | 20K | — |
| 2026-03-01 | Swimmer Theodore C | Tax withheld | 19K | $60.19 |
| 2026-03-01 | Coughlin Brendan | Grant | 26K | — |
| 2026-03-01 | Coughlin Brendan | Tax withheld | 23K | $60.19 |
| 2026-03-01 | BANERJEE AUNOY | Grant | 12K | — |
| 2026-03-01 | Moosally Michelle | Grant | 7.1K | — |
| 2026-03-01 | Moosally Michelle | Tax withheld | 5.2K | $60.19 |
| 2026-03-01 | Ruttledge Michael | Grant | 12K | — |
| 2026-03-01 | Ruttledge Michael | Tax withheld | 11K | $60.19 |
| 2026-03-01 | Stein Richard L. | Grant | 13K | — |
| 2026-03-01 | Stein Richard L. | Tax withheld | 12K | $60.19 |
| 2026-03-01 | VAN SAUN BRUCE | Grant | 52K | — |
| 2026-03-01 | VAN SAUN BRUCE | Tax withheld | 79K | $60.19 |
| 2026-03-01 | Schnirel Christopher J | Grant | 5.8K | — |
| 2026-03-01 | Schnirel Christopher J | Tax withheld | 1.5K | $60.19 |
| 2026-03-01 | LaMonica Susan | Tax withheld | 13K | $60.19 |
| 2026-03-01 | MCCREE DONALD H III | Grant | 52K | — |
| 2026-03-01 | MCCREE DONALD H III | Tax withheld | 31K | $60.19 |
| 2026-02-18 | KELLY EDWARD J III | Grant | 258 | — |
| 2026-02-18 | Lillis Terrance | Grant | 258 | — |
| 2026-02-18 | Leary Robert G | Grant | 216 | — |
| 2026-02-18 | Alexander Lee | Grant | 164 | — |
| 2026-02-18 | Wade Claude E. | Grant | 35 | — |
| 2026-02-18 | Swift Christopher | Grant | 164 | — |
| 2026-02-18 | SIEKERKA MICHELE N | Grant | 133 | — |
| 2026-02-18 | HANKOWSKY WILLIAM P | Grant | 283 | — |
| 2026-02-18 | ZURAITIS MARITA | Grant | 283 | — |
| 2026-02-18 | Cummings Kevin | Grant | 133 | — |
| 2026-02-18 | Atkinson Tracy A | Grant | 70 | — |
| 2026-02-18 | Cumming Christine M | Grant | 283 | — |
| 2026-02-11 | LaMonica Susan | Grant | 10K | — |
| 2026-02-11 | Ruttledge Michael | Grant | 11K | — |
| 2026-02-11 | Swimmer Theodore C | Grant | 17K | — |
| 2026-02-11 | MCCREE DONALD H III | Grant | 35K | — |
| 2026-02-11 | Coughlin Brendan | Grant | 24K | — |
| 2026-02-11 | VAN SAUN BRUCE | Grant | 89K | — |
| 2025-12-11 | VAN SAUN BRUCE | Gift | 4.6K | $58.35 |
| 2025-12-09 | VAN SAUN BRUCE | Gift | 3.4K | $55.94 |
| 2025-12-03 | LaMonica Susan | Gift | 20K | $55.68 |
| 2025-11-12 | Lillis Terrance | Grant | 316 | — |
| 2025-11-12 | SIEKERKA MICHELE N | Grant | 162 | — |
| 2025-11-12 | ZURAITIS MARITA | Grant | 347 | — |
| 2025-11-12 | Atkinson Tracy A | Grant | 85 | — |
| 2025-11-12 | Wade Claude E. | Grant | 42 | — |
| 2025-11-12 | HANKOWSKY WILLIAM P | Grant | 347 | — |
| 2025-11-12 | Cumming Christine M | Grant | 347 | — |
| 2025-11-12 | Cummings Kevin | Grant | 162 | — |
| 2025-11-12 | Swift Christopher | Grant | 201 | — |
| 2025-11-12 | Alexander Lee | Grant | 201 | — |
| 2025-11-12 | KELLY EDWARD J III | Grant | 316 | — |
| 2025-11-12 | Leary Robert G | Grant | 264 | — |
| 2025-10-27 | BANERJEE AUNOY | Grant | 67K | — |
| 2025-08-14 | Atkinson Tracy A | Grant | 83 | — |
| 2025-08-14 | ZURAITIS MARITA | Grant | 336 | — |
| 2025-08-14 | Leary Robert G | Grant | 256 | — |
| 2025-08-14 | HANKOWSKY WILLIAM P | Grant | 336 | — |
| 2025-08-14 | SIEKERKA MICHELE N | Grant | 157 | — |
| 2025-08-14 | Cumming Christine M | Grant | 336 | — |
| 2025-08-14 | Swift Christopher | Grant | 194 | — |
| 2025-08-14 | Lillis Terrance | Grant | 306 | — |
| 2025-08-14 | Alexander Lee | Grant | 194 | — |
| 2025-08-14 | KELLY EDWARD J III | Grant | 306 | — |
| 2025-08-14 | Cummings Kevin | Grant | 157 | — |
| 2025-08-14 | Wade Claude E. | Grant | 41 | — |
| 2025-06-17 | Moosally Michelle | Grant | 27K | — |
| 2025-05-14 | Leary Robert G | Grant | 300 | — |
| 2025-05-14 | Lillis Terrance | Grant | 359 | — |
| 2025-05-14 | Wade Claude E. | Grant | 48 | — |
| 2025-05-14 | Alexander Lee | Grant | 228 | — |
| 2025-05-14 | Cummings Kevin | Grant | 184 | — |
| 2025-05-14 | Swift Christopher | Grant | 228 | — |
| 2025-05-14 | Cumming Christine M | Grant | 394 | — |
| 2025-05-14 | ZURAITIS MARITA | Grant | 394 | — |
| 2025-05-14 | SIEKERKA MICHELE N | Grant | 184 | — |
| 2025-05-14 | KELLY EDWARD J III | Grant | 359 | — |
| 2025-05-14 | HANKOWSKY WILLIAM P | Grant | 394 | — |
| 2025-05-14 | Atkinson Tracy A | Grant | 97 | — |
| 2025-04-24 | HANKOWSKY WILLIAM P | Grant | 4.3K | — |
| 2025-04-24 | Leary Robert G | Grant | 4.3K | — |
| 2025-04-24 | Atkinson Tracy A | Grant | 4.3K | — |
| 2025-04-24 | KELLY EDWARD J III | Grant | 4.3K | — |
| 2025-04-24 | Wade Claude E. | Grant | 4.3K | — |
| 2025-04-24 | SIEKERKA MICHELE N | Grant | 4.3K | — |
| 2025-04-24 | ZURAITIS MARITA | Grant | 4.3K | — |
| 2025-04-24 | Cummings Kevin | Grant | 4.3K | — |
| 2025-04-24 | Swift Christopher | Grant | 4.3K | — |
| 2025-04-24 | Alexander Lee | Grant | 4.3K | — |
| 2025-04-24 | Lillis Terrance | Grant | 4.3K | — |
| 2025-04-24 | Cumming Christine M | Grant | 4.3K | — |
| 2025-03-01 | Coughlin Brendan | Grant | 22K | — |
| 2025-03-01 | Coughlin Brendan | Tax withheld | 17K | $45.77 |
| 2025-03-01 | MCCREE DONALD H III | Grant | 23K | — |
| 2025-03-01 | MCCREE DONALD H III | Tax withheld | 27K | $45.77 |
| 2025-03-01 | VAN SAUN BRUCE | Grant | 62K | — |
| 2025-03-01 | VAN SAUN BRUCE | Tax withheld | 71K | $45.77 |
| 2025-03-01 | Johnson Elizabeth S. | Grant | 28K | — |
| 2025-03-01 | Johnson Elizabeth S. | Tax withheld | 9.1K | $45.77 |
| 2025-03-01 | Woods John F | Grant | 23K | — |
| 2025-03-01 | Woods John F | Tax withheld | 23K | $45.77 |
| 2025-03-01 | LaMonica Susan | Grant | 15K | — |
| 2025-03-01 | LaMonica Susan | Tax withheld | 11K | $45.77 |
| 2025-03-01 | Stein Richard L. | Grant | 15K | — |
| 2025-03-01 | Stein Richard L. | Tax withheld | 10K | $45.77 |
| 2025-03-01 | Ruttledge Michael | Grant | 13K | — |
| 2025-03-01 | Ruttledge Michael | Tax withheld | 7.8K | $45.77 |
| 2025-03-01 | Schnirel Christopher J | Grant | 7.4K | — |
| 2025-03-01 | Schnirel Christopher J | Tax withheld | 768 | $45.77 |
| 2025-03-01 | Wade Claude E. | Grant | 502 | — |
| 2025-02-14 | Atkinson Tracy A | Grant | 48 | — |
| 2025-02-14 | Cummings Kevin | Grant | 126 | — |
| 2025-02-14 | ZURAITIS MARITA | Grant | 312 | — |
| 2025-02-14 | Cumming Christine M | Grant | 312 | — |
| 2025-02-14 | HANKOWSKY WILLIAM P | Grant | 312 | — |
| 2025-02-14 | KELLY EDWARD J III | Grant | 281 | — |
| 2025-02-14 | Alexander Lee | Grant | 164 | — |
| 2025-02-14 | Lillis Terrance | Grant | 281 | — |
| 2025-02-14 | Watson Wendy A. | Grant | 312 | — |
| 2025-02-14 | SIEKERKA MICHELE N | Grant | 126 | — |
| 2025-02-14 | Leary Robert G | Grant | 228 | — |
| 2025-02-14 | Swift Christopher | Grant | 164 | — |
| 2025-02-12 | Johnson Elizabeth S. | Grant | 6.2K | — |
| 2025-02-12 | Coughlin Brendan | Grant | 17K | — |
| 2025-02-12 | LaMonica Susan | Grant | 7.4K | — |
| 2025-02-12 | Woods John F | Grant | 26K | — |
| 2025-02-12 | VAN SAUN BRUCE | Grant | 77K | — |
| 2025-02-12 | Ruttledge Michael | Grant | 6.1K | — |
| 2025-02-12 | MCCREE DONALD H III | Grant | 28K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 10-Q | 2026-05-04 | 2026-03-31 | 0000759944-26-000101 ↗ |
| 8-K | 2026-04-24 | 2026-04-23 | 0000759944-26-000073 ↗ |
| 8-K | 2026-04-16 | 2026-04-16 | 0000759944-26-000070 ↗ |
| 10-K | 2026-02-12 | 2025-12-31 | 0000759944-26-000028 ↗ |
| 8-K | 2026-01-29 | 2026-01-29 | 0001193125-26-029534 ↗ |
| 8-K | 2026-01-22 | 2026-01-22 | 0000759944-26-000020 ↗ |
| 8-K | 2026-01-21 | 2026-01-21 | 0000759944-26-000017 ↗ |
| 10-Q | 2025-11-03 | 2025-09-30 | 0000759944-25-000153 ↗ |
| 8-K | 2025-10-15 | 2025-10-15 | 0000759944-25-000139 ↗ |
| 8-K | 2025-10-07 | 2025-10-07 | 0000759944-25-000135 ↗ |
| 8-K | 2025-10-06 | 2025-10-06 | 0000759944-25-000133 ↗ |
| 8-K | 2025-08-12 | 2025-08-06 | 0001193125-25-178517 ↗ |