Citizens Financial Group insider activity
What the executives and directors of Citizens Financial Group actually did with their own shares, decoded from their SEC Form 4 filings. Each figure says the stretch of time it covers.
−$10M
net open-market flow, 12 m
0 open-market buys, 12 m
0%
of sale value on 10b5-1 plans, 12 m
476 days since an insider bought, whole record
The tape: three years of insider trades
Open-market buy
Discretionary sale
Planned sale (10b5-1)
Reported-price path
Routine
Every marker sits at the 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 grey strip is the routine flow (grants, vestings, tax withholding and gifts) that a headline gets wrong by counting it as selling.
The 244 routine events on the chart, as a list
| Date | Insider | Shares |
|---|---|---|
| Sep 1, 2026 | Boss Matthew | 11K |
| Aug 13, 2026 | KELLY EDWARD J III | 246 |
| Aug 13, 2026 | ZURAITIS MARITA | 269 |
| Aug 13, 2026 | Atkinson Tracy A | 78 |
| Aug 13, 2026 | Cummings Kevin | 134 |
| Aug 13, 2026 | Swift Christopher | 162 |
| Aug 13, 2026 | SIEKERKA MICHELE N | 134 |
| Aug 13, 2026 | Leary Robert G | 208 |
| Aug 13, 2026 | Lillis Terrance | 246 |
| Aug 13, 2026 | Cumming Christine M | 269 |
| Aug 13, 2026 | Alexander Lee | 162 |
| Aug 13, 2026 | Wade Claude E. | 47 |
| Jul 24, 2026 | VAN SAUN BRUCE | 38K |
| Jun 15, 2026 | Stein Richard L. | 4,913 |
| May 14, 2026 | KELLY EDWARD J III | 296 |
| May 14, 2026 | ZURAITIS MARITA | 323 |
| May 14, 2026 | Atkinson Tracy A | 94 |
| May 14, 2026 | Cummings Kevin | 162 |
| May 14, 2026 | Swift Christopher | 195 |
| May 14, 2026 | SIEKERKA MICHELE N | 162 |
| May 14, 2026 | Leary Robert G | 251 |
| May 14, 2026 | Lillis Terrance | 296 |
| May 14, 2026 | Cumming Christine M | 323 |
| May 14, 2026 | Alexander Lee | 195 |
| May 14, 2026 | Wade Claude E. | 57 |
| Apr 23, 2026 | KELLY EDWARD J III | 2,608 |
| Apr 23, 2026 | ZURAITIS MARITA | 2,608 |
| Apr 23, 2026 | Atkinson Tracy A | 2,608 |
| Apr 23, 2026 | Cummings Kevin | 2,608 |
| Apr 23, 2026 | Swift Christopher | 2,608 |
| Apr 23, 2026 | SIEKERKA MICHELE N | 2,608 |
| Apr 23, 2026 | Leary Robert G | 2,608 |
| Apr 23, 2026 | Lillis Terrance | 2,608 |
| Apr 23, 2026 | Cumming Christine M | 2,608 |
| Apr 23, 2026 | Alexander Lee | 2,608 |
| Apr 23, 2026 | Wade Claude E. | 2,608 |
| Mar 1, 2026 | MCCREE DONALD H III | 83K |
| Mar 1, 2026 | VAN SAUN BRUCE | 131K |
| Mar 1, 2026 | BANERJEE AUNOY | 12K |
| Mar 1, 2026 | Coughlin Brendan | 49K |
| Mar 1, 2026 | LaMonica Susan | 25K |
| Mar 1, 2026 | Stein Richard L. | 25K |
| Mar 1, 2026 | Ruttledge Michael | 23K |
| Mar 1, 2026 | Schnirel Christopher J | 7,328 |
| Mar 1, 2026 | Moosally Michelle | 12K |
| Mar 1, 2026 | Swimmer Theodore C | 39K |
| Feb 18, 2026 | KELLY EDWARD J III | 258 |
| Feb 18, 2026 | ZURAITIS MARITA | 283 |
| Feb 18, 2026 | HANKOWSKY WILLIAM P | 283 |
| Feb 18, 2026 | Atkinson Tracy A | 70 |
| Feb 18, 2026 | Cummings Kevin | 133 |
| Feb 18, 2026 | Swift Christopher | 164 |
| Feb 18, 2026 | SIEKERKA MICHELE N | 133 |
| Feb 18, 2026 | Leary Robert G | 216 |
| Feb 18, 2026 | Lillis Terrance | 258 |
| Feb 18, 2026 | Cumming Christine M | 283 |
| Feb 18, 2026 | Alexander Lee | 164 |
| Feb 18, 2026 | Wade Claude E. | 35 |
| Feb 11, 2026 | MCCREE DONALD H III | 35K |
| Feb 11, 2026 | VAN SAUN BRUCE | 89K |
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.
The chart, in numbers
| Flow | Shares |
|---|---|
| Granted | 506K |
| Withheld for tax | 211K |
| Discretionary sales | 149K |
| Gifts | 66K |
| Kept | 80K |
Skin in the game
Directly held shares as reported after each trade, indexed to 100 at the start of the window, up to 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.
The chart, in numbers
| Insider | Start of the window | Latest reported | Indexed, start = 100 |
|---|---|---|---|
| VAN SAUN BRUCE | 943K | 1.1M | 116.9 |
| Cummings Kevin | 452K | 474K | 104.8 |
| Woods John F | 160K | 351K | 219.5 |
| MCCREE DONALD H III | 99K | 251K | 254.8 |
Who holds what
the 14 largest holdings of 29| Insider | Role | Shares held | Buys 12 m | Sales 12 m | 12 m | Last trade |
|---|---|---|---|---|---|---|
| VAN SAUN BRUCE Chairman and CEO Last trade Jul 24, 2026 | CEO | 1.1M | – | $9.3M | net selling over the year: 0 months buying, 1 month selling | Jul 24, 2026 |
| Cummings Kevin Last trade Feb 10, 2023 | Director | 474K | – | – | Feb 10, 2023 | |
| Woods John F Chief Financial Officer | CFO | 374K | – | – | – | |
| Coughlin Brendan President Last trade Dec 11, 2020 | Officer | 308K | – | – | Dec 11, 2020 | |
| MCCREE DONALD H III Chair of the Commercial Bank Last trade Nov 12, 2015 | Officer | 282K | – | – | Nov 12, 2015 | |
| Johnson Elizabeth S. Chief Experience Officer | Officer | 205K | – | – | – | |
| LaMonica Susan Chief Human Resources Officer Last trade Mar 11, 2026 | Officer | 166K | – | $769K | net selling over the year: 0 months buying, 1 month selling | Mar 11, 2026 |
| Ruttledge Michael Chief Information Officer | Officer | 153K | – | – | – | |
| Swimmer Theodore C Head of Commercial Banking | Officer | 128K | – | – | – | |
| Stein Richard L. Chief Risk Officer | Officer | 85K | – | – | – | |
| BANERJEE AUNOY Chief Financial Officer | CFO | 80K | – | – | – | |
| HANKOWSKY WILLIAM P Last trade May 7, 2020 | Director | 78K | – | – | May 7, 2020 | |
| Subramaniam Shivan S. Last trade Apr 21, 2023 | Director | 75K | – | – | Apr 21, 2023 | |
| Boss Matthew Head of Consumer Banking | Officer | 74K | – | – | – |
Open-market trade log
the 60 most recent of 66| Date | Insider | Type | Shares | Price | Value | Since trade | Filed |
|---|---|---|---|---|---|---|---|
| Jul 24, 2026 | VAN SAUN BRUCE (CEO) 129K shares $72.07 +0.0% since trade filed Jul 28, 2026 | Discretionary sale | 129K | $72.07 | $9.3M | +0.0% | Jul 28, 2026 |
| May 12, 2026 | Moosally Michelle (Officer) 6,050 shares $62.16 +15.9% since trade filed May 14, 2026 | Discretionary sale | 6,050 | $62.16 | $376K | +15.9% | May 14, 2026 |
| Mar 11, 2026 | LaMonica Susan (Officer) 13K shares $58.04 +24.2% since trade filed Mar 12, 2026 | Discretionary sale | 13K | $58.04 | $769K | +24.2% | Mar 12, 2026 |
| Jun 2, 2025 | Swift Christopher (Director) 20 shares $40.06 +79.9% since trade filed Aug 17, 2026 late | Open-market buy | 20 | $40.06 | $801 | +79.9% | Aug 17, 2026 late |
| Jul 25, 2024 | Read Craig Jack (Officer) 3,938 shares $43.26 +66.6% since trade filed Jul 26, 2024 | Discretionary sale | 3,938 | $43.26 | $170K | +66.6% | Jul 26, 2024 |
| Apr 19, 2024 | Read Craig Jack (Officer) 6,327 shares $33.70 +113.9% since trade filed Apr 22, 2024 | Discretionary sale | 6,327 | $33.70 | $213K | +113.9% | Apr 22, 2024 |
| Mar 5, 2024 | Read Craig Jack (Officer) 4,508 shares $33.54 +114.9% since trade filed Mar 6, 2024 | Discretionary sale | 4,508 | $33.54 | $151K | +114.9% | Mar 6, 2024 |
| Feb 6, 2024 | Swift Christopher (Director) 10 shares $31.47 +129.0% since trade filed Aug 17, 2026 late | Open-market buy | 10 | $31.47 | $315 | +129.0% | Aug 17, 2026 late |
| Oct 27, 2023 | Lillis Terrance (Director) 1,000 shares $22.87 +215.1% since trade filed Oct 31, 2023 | Open-market buy | 1,000 | $22.87 | $23K | +215.1% | Oct 31, 2023 |
| May 17, 2023 | Lillis Terrance (Director) 1,000 shares $26.39 +173.1% since trade filed May 18, 2023 | Open-market buy | 1,000 | $26.39 | $26K | +173.1% | May 18, 2023 |
| Apr 21, 2023 | Subramaniam Shivan S. (Director) 3,300 shares $28.79 +150.3% since trade filed Apr 24, 2023 | Open-market buy | 3,300 | $28.79 | $95K | +150.3% | Apr 24, 2023 |
| Feb 10, 2023 | Cummings Kevin (Director) 91K shares $43.00 +67.6% since trade filed Feb 13, 2023 | Discretionary sale | 91K | $43.00 | $3.9M | +67.6% | Feb 13, 2023 |
| Feb 7, 2023 | Cummings Kevin (Director) 81K shares $44.40 +62.3% since trade filed Feb 9, 2023 | Discretionary sale | 81K | $44.40 | $3.6M | +62.3% | Feb 9, 2023 |
| Dec 30, 2022 | Cummings Kevin (Director) 4,254 shares $39.32 +83.3% since trade filed Nov 15, 2024 late | Discretionary sale | 4,254 | $39.32 | $167K | +83.3% | Nov 15, 2024 late |
| Apr 26, 2022 | Lillis Terrance (Director) 1,000 shares $41.31 +74.5% since trade filed Apr 28, 2022 | Open-market buy | 1,000 | $41.31 | $41K | +74.5% | Apr 28, 2022 |
| Dec 11, 2020 | Coughlin Brendan (Officer) 12K shares $35.35 filed Dec 14, 2020 | Discretionary sale | 12K | $35.35 | $424K | – | Dec 14, 2020 |
| May 7, 2020 | HANKOWSKY WILLIAM P (Director) 165 shares $21.25 filed May 8, 2020 | Open-market buy | 165 | $21.25 | $4K | – | May 8, 2020 |
| Apr 22, 2020 | KOCH CHARLES JOHN (Director) 5,000 shares $19.76 filed Apr 23, 2020 | Open-market buy | 5,000 | $19.76 | $99K | – | Apr 23, 2020 |
| Apr 21, 2020 | KOCH CHARLES JOHN (Director) 20K shares $19.47 filed Apr 23, 2020 | Open-market buy | 20K | $19.47 | $389K | – | Apr 23, 2020 |
| Apr 20, 2020 | HANKOWSKY WILLIAM P (Director) 10K shares $20.56 filed Apr 22, 2020 | Open-market buy | 10K | $20.56 | $206K | – | Apr 22, 2020 |
| Mar 13, 2020 | Coughlin Brendan (Officer) 4,500 shares $22.21 filed Mar 16, 2020 | Discretionary sale | 4,500 | $22.21 | $100K | – | Mar 16, 2020 |
| Mar 11, 2020 | Subramaniam Shivan S. (Director) 2,000 shares $24.62 filed Mar 12, 2020 | Open-market buy | 2,000 | $24.62 | $49K | – | Mar 12, 2020 |
| Mar 10, 2020 | Lillis Terrance (Director) 1,000 shares $24.46 filed Mar 12, 2020 | Open-market buy | 1,000 | $24.46 | $24K | – | Mar 12, 2020 |
| Mar 6, 2020 | HIGDON LEO I JR (Director) 1,000 shares $27.73 filed Mar 9, 2020 | Open-market buy | 1,000 | $27.73 | $28K | – | Mar 9, 2020 |
| Mar 2, 2020 | Subramaniam Shivan S. (Director) 5,000 shares $32.35 filed Mar 3, 2020 | Open-market buy | 5,000 | $32.35 | $162K | – | Mar 3, 2020 |
| Aug 20, 2019 | KOCH CHARLES JOHN (Director) 15K shares $32.45 filed Aug 22, 2019 | Open-market buy | 15K | $32.45 | $487K | – | Aug 22, 2019 |
| Nov 21, 2018 | Subramaniam Shivan S. (Director) 3,000 shares $35.32 filed Nov 23, 2018 | Open-market buy | 3,000 | $35.32 | $106K | – | Nov 23, 2018 |
| Oct 23, 2018 | KOCH CHARLES JOHN (Director) 14K shares $36.32 filed Oct 25, 2018 | Open-market buy | 14K | $36.32 | $508K | – | Oct 25, 2018 |
| Jun 5, 2018 | Black Randall J (Officer) 792 shares $41.49 filed Jun 6, 2018 | Discretionary sale | 792 | $41.49 | $33K | – | Jun 6, 2018 |
| Dec 1, 2017 | Watson Wendy A. (Director) 4,000 shares $40.31 filed Dec 5, 2017 | Discretionary sale | 4,000 | $40.31 | $161K | – | Dec 5, 2017 |
| Feb 28, 2017 | HIGDON LEO I JR (Director) 14 shares $37.37 filed Mar 2, 2017 | Open-market buy | 14 | $37.37 | $523 | – | Mar 2, 2017 |
| Feb 16, 2017 | HIGDON LEO I JR (Director) 9 shares $38.25 filed Feb 21, 2017 | Open-market buy | 9 | $38.25 | $344 | – | Feb 21, 2017 |
| Mar 8, 2016 | Subramaniam Shivan S. (Director) 5,000 shares $20.91 filed Mar 9, 2016 | Open-market buy | 5,000 | $20.91 | $105K | – | Mar 9, 2016 |
| Feb 10, 2016 | Bowerman David J. (Officer) 2,400 shares $19.40 filed Feb 10, 2016 | Open-market buy | 2,400 | $19.40 | $47K | – | Feb 10, 2016 |
| Nov 12, 2015 | MCCREE DONALD H III (Officer) 80K shares $25.83 filed Nov 13, 2015 | Open-market buy | 80K | $25.83 | $2.1M | – | Nov 13, 2015 |
| Nov 3, 2015 | ROYAL BANK OF SCOTLAND PLC (10% owner) 110M shares $23.38 filed Nov 4, 2015 | Discretionary sale | 110M | $23.38 | $2.6B | – | Nov 4, 2015 |
| Aug 25, 2015 | HIGDON LEO I JR (Director) 500 shares $23.48 filed Aug 26, 2015 | Open-market buy | 500 | $23.48 | $12K | – | Aug 26, 2015 |
| Aug 3, 2015 | ROYAL BANK OF SCOTLAND PLC (10% owner) 9.6M shares $26.00 filed Aug 4, 2015 | Discretionary sale | 9.6M | $26.00 | $250M | – | Aug 4, 2015 |
| Aug 3, 2015 | ROYAL BANK OF SCOTLAND PLC (10% owner) 99M shares $25.69 filed Aug 4, 2015 | Discretionary sale | 99M | $25.69 | $2.5B | – | Aug 4, 2015 |
| Apr 28, 2015 | HIGDON LEO I JR (Director) 1,020 shares $25.73 filed Apr 30, 2015 | Open-market buy | 1,020 | $25.73 | $26K | – | Apr 30, 2015 |
| Apr 28, 2015 | Woods Stephen R. (Other) 1,600 shares $25.75 filed Apr 30, 2015 | Discretionary sale | 1,600 | $25.75 | $41K | – | Apr 30, 2015 |
| Apr 28, 2015 | Woods Stephen R. (Other) 3,912 shares $25.74 filed Apr 30, 2015 | Discretionary sale | 3,912 | $25.74 | $101K | – | Apr 30, 2015 |
| Apr 28, 2015 | Woods Stephen R. (Other) 5,488 shares $25.72 filed Apr 30, 2015 | Discretionary sale | 5,488 | $25.72 | $141K | – | Apr 30, 2015 |
| Apr 7, 2015 | ROYAL BANK OF SCOTLAND PLC (10% owner) 10M shares $23.87 filed Apr 8, 2015 | Discretionary sale | 10M | $23.87 | $250M | – | Apr 8, 2015 |
| Mar 30, 2015 | ROYAL BANK OF SCOTLAND PLC (10% owner) 155M shares $23.47 filed Mar 31, 2015 | Discretionary sale | 155M | $23.47 | $3.6B | – | Mar 31, 2015 |
| Oct 8, 2014 | ROYAL BANK OF SCOTLAND PLC (10% owner) 14M shares $23.36 filed Oct 10, 2014 | Discretionary sale | 14M | $23.36 | $334M | – | Oct 10, 2014 |
| Sep 29, 2014 | NATIONAL WESTMINSTER BANK PLC /ENG/ (10% owner) 4.6M shares $21.09 filed Sep 30, 2014 | Discretionary sale | 4.6M | $21.09 | $98M | – | Sep 30, 2014 |
| Sep 29, 2014 | NATIONAL WESTMINSTER BANK PLC /ENG/ (10% owner) 156M shares $21.09 filed Sep 30, 2014 | Discretionary sale | 156M | $21.09 | $3.3B | – | Sep 30, 2014 |
| Sep 29, 2014 | DI IORIO ANTHONY M (Director) 13K shares $21.50 filed Sep 30, 2014 | Open-market buy | 13K | $21.50 | $269K | – | Sep 30, 2014 |
| Sep 29, 2014 | HIGDON LEO I JR (Director) 500 shares $21.50 filed Sep 30, 2014 | Open-market buy | 500 | $21.50 | $11K | – | Sep 30, 2014 |
| Sep 29, 2014 | RYAN ARTHUR F (Director) 45K shares $21.50 filed Sep 30, 2014 | Open-market buy | 45K | $21.50 | $968K | – | Sep 30, 2014 |
| Sep 29, 2014 | ZURAITIS MARITA (Director) 2,000 shares $21.50 filed Sep 30, 2014 | Open-market buy | 2,000 | $21.50 | $43K | – | Sep 30, 2014 |
| Sep 29, 2014 | VAN SAUN BRUCE (CEO) 45K shares $21.50 filed Sep 30, 2014 | Open-market buy | 45K | $21.50 | $968K | – | Sep 30, 2014 |
| Sep 29, 2014 | KOCH CHARLES JOHN (Director) 20K shares $21.50 filed Sep 30, 2014 | Open-market buy | 20K | $21.50 | $430K | – | Sep 30, 2014 |
| Sep 29, 2014 | HANKOWSKY WILLIAM P (Director) 15K shares $21.50 filed Sep 30, 2014 | Open-market buy | 15K | $21.50 | $323K | – | Sep 30, 2014 |
| Sep 29, 2014 | Casady Mark S (Director) 4,200 shares $21.50 filed Sep 30, 2014 | Open-market buy | 4,200 | $21.50 | $90K | – | Sep 30, 2014 |
| Sep 29, 2014 | Fawcett John J. (CFO) 4,000 shares $21.50 filed Sep 30, 2014 | Open-market buy | 4,000 | $21.50 | $86K | – | Sep 30, 2014 |
| Sep 29, 2014 | Hanna Howard W. III (Director) 9,000 shares $21.50 filed Sep 30, 2014 | Open-market buy | 9,000 | $21.50 | $194K | – | Sep 30, 2014 |
| Sep 29, 2014 | Subramaniam Shivan S. (Director) 15K shares $21.50 filed Sep 30, 2014 | Open-market buy | 15K | $21.50 | $323K | – | Sep 30, 2014 |
| Sep 29, 2014 | Shanik Nancy L. (Officer) 4,000 shares $21.50 filed Sep 30, 2014 | Open-market buy | 4,000 | $21.50 | $86K | – | Sep 30, 2014 |
“Since trade” compares with the latest insider-implied price, not a market quote: these pages are built from filings alone. A role here is the one on that day's Form 4, so somebody promoted since appears under both titles.
Filing hygiene
262 Forms 4, 3 years
5 filed late
1 amendments
6.9 avg. days to file
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.