CFG director awarded 69.778 dividend RSUs

Citizens Financial Group director receives dividend RSUs.

Rhea-AI Filing Summary

Citizens Financial Group director receives dividend RSUs. Director Tracy A. Atkinson acquired 69.778 restricted stock units of Citizens Financial Group common stock at no cost, credited following the company’s dividend payment under the 2014 Non-Employee Directors Compensation Plan. This increased her directly held common stock equivalents to 9,935.719 shares.

Insider Trade Summary

Grant/Award: 69.778 shares

Grant/Award 1 txn

Insider Atkinson Tracy A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	69.778	$0.00	$0.00

Holdings After Transaction: Common Stock — 9,935.719 shares (Direct)

Footnotes (1)

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.

FAQ

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

What insider transaction did CFG director Tracy Atkinson report?

CFG director Tracy A. Atkinson reported acquiring 69.778 restricted stock units of common stock. These units were credited following a dividend payment under Citizens Financial Group’s 2014 Non-Employee Directors Compensation Plan, increasing her directly held common stock equivalents to 9,935.719 shares.

Was the CFG insider transaction a market purchase or sale?

The CFG insider transaction was not a market purchase or sale. Tracy A. Atkinson received 69.778 restricted stock units as a grant/award acquisition, credited after a dividend payment under the Non-Employee Directors Compensation Plan, with a reported price per unit of $0.0000.

How many CFG shares does Tracy Atkinson hold after this Form 4?

After this Form 4 transaction, Tracy A. Atkinson holds 9,935.719 Citizens Financial Group common stock equivalents directly. This total reflects the additional 69.778 restricted stock units credited to her account following a dividend payment under the company’s 2014 Non-Employee Directors Compensation Plan.

What is the nature of the restricted stock units in CFG’s Form 4?

The restricted stock units are dividend-equivalent credits under a director compensation plan. Tracy A. Atkinson’s account received 69.778 units following a Citizens Financial Group dividend, pursuant to the Amended & Restated 2014 Non-Employee Directors Compensation Plan for directors.

Did CFG pay cash for the insider transaction reported?

No cash changed hands in this insider transaction. Tracy A. Atkinson’s 69.778 additional restricted stock units were credited at a reported price of $0.0000 per unit, reflecting a stock-based award linked to a dividend under Citizens Financial Group’s non-employee director compensation plan.

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

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Accepted by SEC EDGAR 02/19/2026 - 04:36 PM Learn about SEC filing dates

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^*

Atkinson Tracy A

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
02/18/2026

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	02/18/2026		A		69.778(1)	A	$0	9,935.719	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. 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	02/19/2026
	** 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.