[Form 4] CITIZENS FINANCIAL GROUP INC/RI Insider Trading Activity

Rhea-AI Filing Summary

Citizens Financial Group (CFG) reported an insider stock donation by its Chief Human Resources Officer. On 12/03/2025, the officer gifted 20,128 shares of Citizens Financial Group common stock to a donor-advised fund for charitable purposes at a reported transaction price of $55.68 per share. After this charitable transfer, the officer directly beneficially owns 169,796 shares of CFG common stock.

Insider Trade Summary

20,128 shares gifted

Mixed 1 txn

Insider LaMonica Susan

Role Chief Human Resources Officer

Type	Security	Shares	Price	Value
Gift	Common Stock	20,128	$55.68	$1.12M

Holdings After Transaction: Common Stock — 169,796 shares (Direct)

Footnotes (1)

1. [object Object]

Form 4 Insider Transactions: What Each Field Means →

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^*

LaMonica Susan

(Last) (First) (Middle)

C/O CITIZENS FINANCIAL GROUP, INC.

600 WASHINGTON BLVD.

(Street)

STAMFORD CT 06901

(City) (State) (Zip)

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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/03/2025

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

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

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

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/03/2025		G		20,128(1)	D	$55.68	169,796	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. On 12/3/25, the reporting person donated directly owned shares of common stock to a donor-advised fund, which will use the gifted shares for charitable purposes.

Remarks:

	/s/ Bari Fredericks as Attorney-in-Fact	12/04/2025
	** 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.

FAQ

What insider transaction did CFG report in this Form 4 filing?

The filing reports that Citizens Financial Group's Chief Human Resources Officer donated 20,128 shares of directly owned common stock to a donor-advised fund for charitable purposes.

Who is the reporting person in the CFG Form 4 filing?

The reporting person is an officer of Citizens Financial Group, serving as the Chief Human Resources Officer.

How many CFG shares were donated in this insider transaction?

The officer donated 20,128 shares of Citizens Financial Group common stock to a donor-advised fund.

At what price was the CFG stock donation reported?

The gifted Citizens Financial Group common stock was reported at a transaction price of $55.68 per share.

How many CFG shares does the officer own after the donation?

Following the reported transaction, the officer beneficially owns 169,796 shares of Citizens Financial Group common stock directly.

Was the CFG insider transaction a sale for personal gain?

No. The Form 4 states that the directly owned shares were donated to a donor-advised fund to be used for charitable purposes.

Does this CFG Form 4 involve any derivative securities?

No derivative securities transactions are reported; Table II for derivative securities is present but contains no entries.