Citizens director Cumming awarded 269 RSUs

Q: What did CFG director Christine Cumming report in this Form 4 filing?

Christine Cumming reported an acquisition of 268.7510 shares of Citizens Financial Group common stock as restricted stock units credited after a dividend payment, under the company’s 2014 Non-Employee Directors Compensation Plan.

Q: How many CFG shares does Christine Cumming hold after this reported transaction?

After the transaction, Christine Cumming directly holds 52,932.8890 shares of Citizens Financial Group common stock, reflecting the addition of the 268.7510 restricted stock units credited following the company’s dividend.

Q: On what date were the additional CFG restricted stock units credited to Christine Cumming?

The additional restricted stock units were credited on 2026-08-13, following Citizens Financial Group’s dividend payment, pursuant to an existing award granted under the Amended & Restated 2014 Non-Employee Directors Compensation Plan.

Q: Was Christine Cumming’s CFG Form 4 transaction made under a Rule 10b5-1 trading plan?

The filing’s Rule 10b5-1 checkbox is not marked as affirmative, and the data indicate no 10b5-1 plan designation (aff_10b5_one is false), so the reported acquisition is not described as pursuant to such a plan.

Q: What is the nature of the CFG shares acquired by Christine Cumming in this Form 4?

The acquired position consists of restricted stock units credited to her account after Citizens Financial Group’s dividend payment, issued pursuant to a prior award under the 2014 Non-Employee Directors Compensation Plan, rather than an open-market purchase.

Citizens Financial Group, Inc. (CFG) director Christine M. Cumming reported an acquisition of additional equity-based compensation.

Filing Impact

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Filing Sentiment

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Form Type

Rhea-AI Filing Summary

Citizens Financial Group, Inc. (CFG) director Christine M. Cumming reported an acquisition of additional equity-based compensation. On 2026-08-13, she received 268.7510 shares of common stock in the form of restricted stock units credited to her account following the company’s dividend payment, under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan. Following this award, her directly held common stock position increased to 52,932.8890 shares. The Rule 10b5-1 checkbox was not marked as being pursuant to a trading plan.

Insider Trade Summary

Grant/Award: 268.751 shares

Grant/Award 1 txn

Insider Cumming Christine M

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock ^F1	268.751	$0.00	$0.00

Holdings After Transaction: Common Stock — 52,932.889 shares (Direct)

Footnotes (1)

F1. Reflects restricted stock units credited to the reporting person's account following the issuer's dividend payment, pursuant to an award granted to the filer pursuant to the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan.

Key Figures

Shares acquired: 268.7510 shares Shares held after transaction: 52,932.8890 shares Transaction price per share: $0.0000 +1 more

4 metrics

Shares acquired 268.7510 shares Restricted stock units credited on 2026-08-13

Shares held after transaction 52,932.8890 shares Direct common stock ownership following the 2026-08-13 award

Transaction price per share $0.0000 Grant/award acquisition of restricted stock units

Number of acquire transactions 1 Non-derivative grant/award acquisition reported in this Form 4

Key Terms

restricted stock units, dividend payment, Non-Employee Directors Compensation Plan

3 terms

restricted stock units financial

"Reflects restricted stock units credited to the reporting person's account"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

dividend payment financial

"credited to the reporting person's account following the issuer's dividend payment"

Non-Employee Directors Compensation Plan financial

"pursuant to the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did CFG director Christine Cumming report in this Form 4 filing?

Christine Cumming reported an acquisition of 268.7510 shares of Citizens Financial Group common stock as restricted stock units credited after a dividend payment, under the company’s 2014 Non-Employee Directors Compensation Plan.

How many CFG shares does Christine Cumming hold after this reported transaction?

After the transaction, Christine Cumming directly holds 52,932.8890 shares of Citizens Financial Group common stock, reflecting the addition of the 268.7510 restricted stock units credited following the company’s dividend.

On what date were the additional CFG restricted stock units credited to Christine Cumming?

The additional restricted stock units were credited on 2026-08-13, following Citizens Financial Group’s dividend payment, pursuant to an existing award granted under the Amended & Restated 2014 Non-Employee Directors Compensation Plan.

Was Christine Cumming’s CFG Form 4 transaction made under a Rule 10b5-1 trading plan?

The filing’s Rule 10b5-1 checkbox is not marked as affirmative, and the data indicate no 10b5-1 plan designation (aff_10b5_one is false), so the reported acquisition is not described as pursuant to such a plan.

What is the nature of the CFG shares acquired by Christine Cumming in this Form 4?

The acquired position consists of restricted stock units credited to her account after Citizens Financial Group’s dividend payment, issued pursuant to a prior award under the 2014 Non-Employee Directors Compensation Plan, rather than an open-market purchase.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 08/17/2026 - 04:29 PM Accepted by SEC EDGAR 08/17/2026 - 04:28 PM

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Cumming Christine M

(Last)

(First)

(Middle)

C/O CITIZENS FINANCIAL GROUP, INC.

600 WASHINGTON BLVD.

(Street)

STAMFORD

CONNECTICUT

06901

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CITIZENS FINANCIAL GROUP INC/RI [ CFG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/13/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	08/13/2026		A		268.751⁽¹⁾	A	$0	52,932.889	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Reflects restricted stock units credited to the reporting person's account following the issuer's dividend payment, pursuant to an award granted to the filer pursuant to the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan.

Remarks:

	/s/Bari Fredericks, as Attorney-in-Fact	08/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR