What the executives and directors of Citizens Financial Group actually did with their own shares, decoded from three years of SEC Form 4 filings.
The tape: three years of insider trades
Every marker sits at the exact price reported on the Form 4. The line is the monthly median of all prices insiders reported, so the chart needs no market feed; the gray strip is routine flow (vestings, tax withholding, gifts) that headlines love to miscount as selling.
Where the shares went, last 12 months
Every Form 4 movement decomposed: what flowed in (grants, vested equity, purchases) and what flowed out (tax withholding, plan sales, discretionary sales, gifts). Counted in shares, because grants carry no price.
Skin in the game
Directly held shares as reported after each trade, indexed to 100 five years back. Direct holdings only: trust and family-entity positions are per-entity in the filings and do not sum honestly, so this chart refuses to guess. The steps are the trades.
Who holds what
| Insider | Role | Shares held | Buys 12 m | Sales 12 m |
|---|---|---|---|---|
| VAN SAUN BRUCE Chairman and CEO | CEO | 1.1M | — | $9.3M |
| Cummings Kevin | Director | 473.8K | — | — |
| Woods John F Chief Financial Officer | CFO | 374.2K | — | — |
| Coughlin Brendan President | Officer | 307.6K | — | — |
| MCCREE DONALD H III Chair of the Commercial Bank | Officer | 282.2K | — | — |
| Johnson Elizabeth S. Chief Experience Officer | Officer | 205K | — | — |
| LaMonica Susan Chief Human Resources Officer | Officer | 166K | — | $769K |
| Ruttledge Michael Chief Information Officer | Officer | 152.6K | — | — |
| Swimmer Theodore C Head of Commercial Banking | Officer | 128K | — | — |
| Stein Richard L. Chief Risk Officer | Officer | 84.6K | — | — |
| BANERJEE AUNOY Chief Financial Officer | CFO | 79.8K | — | — |
| HANKOWSKY WILLIAM P | Director | 78K | — | — |
| Subramaniam Shivan S. | Director | 74.7K | — | — |
| SIEKERKA MICHELE N | Director | 66.3K | — | — |
Open-market trade log
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-07-24 | VAN SAUN BRUCE (CEO) | Discretionary sale | 129.4K | $72.07 | $9.3M |
| 2026-05-12 | Moosally Michelle (Officer) | Discretionary sale | 6,050 | $62.16 | $376K |
| 2026-03-11 | LaMonica Susan (Officer) | Discretionary sale | 13.3K | $58.04 | $769K |
| 2024-07-25 | Read Craig Jack (Officer) | Discretionary sale | 3,938 | $43.26 | $170K |
| 2024-04-19 | Read Craig Jack (Officer) | Discretionary sale | 6,327 | $33.70 | $213K |
| 2024-03-05 | Read Craig Jack (Officer) | Discretionary sale | 4,508 | $33.54 | $151K |
| 2023-10-27 | Lillis Terrance (Director) | Open-market buy | 1,000 | $22.87 | $23K |
| 2023-05-17 | Lillis Terrance (Director) | Open-market buy | 1,000 | $26.39 | $26K |
| 2023-04-21 | Subramaniam Shivan S. (Director) | Open-market buy | 3,300 | $28.79 | $95K |
| 2023-02-10 | Cummings Kevin (Director) | Discretionary sale | 90.7K | $43.00 | $3.9M |
| 2023-02-07 | Cummings Kevin (Director) | Discretionary sale | 81.2K | $44.40 | $3.6M |
| 2022-12-30 | Cummings Kevin (Director) | Discretionary sale | 4,254 | $39.32 | $167K |
| 2022-04-26 | Lillis Terrance (Director) | Open-market buy | 1,000 | $41.31 | $41K |
| 2020-12-11 | Coughlin Brendan (Officer) | Discretionary sale | 12K | $35.35 | $424K |
| 2020-05-07 | HANKOWSKY WILLIAM P (Director) | Open-market buy | 165 | $21.25 | $4K |
| 2020-04-22 | KOCH CHARLES JOHN (Director) | Open-market buy | 5,000 | $19.76 | $99K |
| 2020-04-21 | KOCH CHARLES JOHN (Director) | Open-market buy | 20K | $19.47 | $389K |
| 2020-04-20 | HANKOWSKY WILLIAM P (Director) | Open-market buy | 10K | $20.56 | $206K |
| 2020-03-13 | Coughlin Brendan (Officer) | Discretionary sale | 4,500 | $22.21 | $100K |
| 2020-03-11 | Subramaniam Shivan S. (Director) | Open-market buy | 2,000 | $24.62 | $49K |
| 2020-03-10 | Lillis Terrance (Director) | Open-market buy | 1,000 | $24.46 | $24K |
| 2020-03-06 | HIGDON LEO I JR (Director) | Open-market buy | 1,000 | $27.73 | $28K |
| 2020-03-02 | Subramaniam Shivan S. (Director) | Open-market buy | 5,000 | $32.35 | $162K |
| 2019-08-20 | KOCH CHARLES JOHN (Director) | Open-market buy | 15K | $32.45 | $487K |
| 2018-11-21 | Subramaniam Shivan S. (Director) | Open-market buy | 3,000 | $35.32 | $106K |
| 2018-10-23 | KOCH CHARLES JOHN (Director) | Open-market buy | 14K | $36.32 | $508K |
| 2018-06-05 | Black Randall J (Officer) | Discretionary sale | 792 | $41.49 | $33K |
| 2017-12-01 | Watson Wendy A. (Director) | Discretionary sale | 4,000 | $40.31 | $161K |
| 2017-02-28 | HIGDON LEO I JR (Director) | Open-market buy | 14 | $37.37 | $523 |
| 2017-02-16 | HIGDON LEO I JR (Director) | Open-market buy | 9 | $38.25 | $344 |
| 2016-03-08 | Subramaniam Shivan S. (Director) | Open-market buy | 5,000 | $20.91 | $105K |
| 2016-02-10 | Bowerman David J. (Officer) | Open-market buy | 2,400 | $19.40 | $47K |
| 2015-11-12 | MCCREE DONALD H III (Officer) | Open-market buy | 80K | $25.83 | $2.1M |
| 2015-11-03 | ROYAL BANK OF SCOTLAND PLC (10% owner) | Discretionary sale | 110.5M | $23.38 | $2.6B |
| 2015-08-25 | HIGDON LEO I JR (Director) | Open-market buy | 500 | $23.48 | $12K |
| 2015-08-03 | ROYAL BANK OF SCOTLAND PLC (10% owner) | Discretionary sale | 9.6M | $26.00 | $250M |
| 2015-08-03 | ROYAL BANK OF SCOTLAND PLC (10% owner) | Discretionary sale | 98.9M | $25.69 | $2.5B |
| 2015-04-28 | HIGDON LEO I JR (Director) | Open-market buy | 1,020 | $25.73 | $26K |
| 2015-04-28 | Woods Stephen R. (Other) | Discretionary sale | 1,600 | $25.75 | $41K |
| 2015-04-28 | Woods Stephen R. (Other) | Discretionary sale | 3,912 | $25.74 | $101K |
| 2015-04-28 | Woods Stephen R. (Other) | Discretionary sale | 5,488 | $25.72 | $141K |
| 2015-04-07 | ROYAL BANK OF SCOTLAND PLC (10% owner) | Discretionary sale | 10.5M | $23.87 | $250M |
| 2015-03-30 | ROYAL BANK OF SCOTLAND PLC (10% owner) | Discretionary sale | 155.3M | $23.47 | $3.6B |
| 2014-10-08 | ROYAL BANK OF SCOTLAND PLC (10% owner) | Discretionary sale | 14.3M | $23.36 | $334M |
| 2014-09-29 | NATIONAL WESTMINSTER BANK PLC /ENG/ (10% owner) | Discretionary sale | 4.6M | $21.09 | $97.8M |
| 2014-09-29 | NATIONAL WESTMINSTER BANK PLC /ENG/ (10% owner) | Discretionary sale | 156.4M | $21.09 | $3.3B |
| 2014-09-29 | DI IORIO ANTHONY M (Director) | Open-market buy | 12.5K | $21.50 | $269K |
| 2014-09-29 | HIGDON LEO I JR (Director) | Open-market buy | 500 | $21.50 | $11K |
| 2014-09-29 | RYAN ARTHUR F (Director) | Open-market buy | 45K | $21.50 | $968K |
| 2014-09-29 | ZURAITIS MARITA (Director) | Open-market buy | 2,000 | $21.50 | $43K |
| 2014-09-29 | VAN SAUN BRUCE (CEO) | Open-market buy | 45K | $21.50 | $968K |
| 2014-09-29 | KOCH CHARLES JOHN (Director) | Open-market buy | 20K | $21.50 | $430K |
| 2014-09-29 | HANKOWSKY WILLIAM P (Director) | Open-market buy | 15K | $21.50 | $323K |
| 2014-09-29 | Casady Mark S (Director) | Open-market buy | 4,200 | $21.50 | $90K |
| 2014-09-29 | Fawcett John J. (CFO) | Open-market buy | 4,000 | $21.50 | $86K |
| 2014-09-29 | Hanna Howard W. III (Director) | Open-market buy | 9,000 | $21.50 | $194K |
| 2014-09-29 | Subramaniam Shivan S. (Director) | Open-market buy | 15K | $21.50 | $323K |
| 2014-09-29 | Shanik Nancy L. (Officer) | Open-market buy | 4,000 | $21.50 | $86K |
| 2014-09-29 | Matthews Robert D. Jr. (Officer) | Open-market buy | 4,000 | $21.50 | $86K |
| 2014-09-29 | Conner Brad L. (Officer) | Open-market buy | 4,000 | $21.50 | $86K |
“Since trade” compares with the latest insider-implied price, not a market quote; this site carries no market data by design.
Filing hygiene
How to read this
A Form 4 transaction code decides everything. P is an open-market purchase and S an open-market sale; those two are the only codes where an insider chose to trade. A is a grant, M an option exercise or vesting, F shares withheld to cover tax, G a gift. Most “insiders dumped billions” headlines are code F and M mechanics.
Sales flagged 10b5-1 run on a plan the insider adopted in advance; since 2023 every Form 4 carries that flag. Buys have historically predicted returns, sales mostly have not, and this page states filings, not advice.