What are the indirect CFG share holdings reported for Michele N. Siekerka?

The filing lists indirect ownership of 6,102 Citizens Financial Group shares held by an IRA, plus 297 shares held by a daughter and 297 held by a son. These positions are reported as indirect beneficial ownership interests.

Citizens director awarded 134 RSUs after dividend

Q: What did CFG director Michele N. Siekerka report in this Form 4 filing?

Michele N. Siekerka reported an acquisition of 134.488 shares of Citizens Financial Group common stock. These shares were credited as restricted stock units following a dividend payment under the company’s 2014 Non-Employee Directors Compensation Plan.

Q: What is the nature of the 134.488 CFG shares acquired by Michele N. Siekerka?

The 134.488 shares represent restricted stock units credited following Citizens Financial Group’s dividend payment. They were issued under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan as part of director compensation.

Q: Was the reported CFG stock transaction by Michele N. Siekerka part of open-market buying or selling?

No open-market trade is reported; the Form 4 shows a grant/award acquisition of 134.488 restricted stock units at a $0.00 price. The transaction is classified as a compensation-related award rather than a market purchase or sale.

CITIZENS FINANCIAL GROUP INC/RI director Michele N. Siekerka reported an acquisition of common stock on 2026-08-13.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

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Form Type

Rhea-AI Filing Summary

CITIZENS FINANCIAL GROUP INC/RI director Michele N. Siekerka reported an acquisition of common stock on 2026-08-13. The filing shows a grant/award of 134.488 shares of common stock at a stated price of $0.00 per share, reflecting restricted stock units credited following the company’s dividend payment under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan.

After this award, Siekerka directly holds 66,456.162 common shares. The filing also reports indirect holdings of 6,102 shares held by an IRA, and 297 shares each held by a daughter and a son.

Insider Trade Summary

Grant/Award: 134.488 shares

Grant/Award 4 txns

Insider SIEKERKA MICHELE N

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock ^F1	134.488	$0.00	$0.00
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 66,456.162 shares (Direct); Common Stock — 6,102 shares (Indirect, By IRA); Common Stock — 297 shares (Indirect, By daughter); Common Stock — 297 shares (Indirect, By son)

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

Awarded shares: 134.488 shares Direct holdings after transaction: 66,456.162 shares Indirect IRA holdings: 6,102 shares +3 more

6 metrics

Awarded shares 134.488 shares Restricted stock units credited following dividend payment on 2026-08-13

Direct holdings after transaction 66,456.162 shares Common stock directly owned by Michele N. Siekerka after the award

Indirect IRA holdings 6,102 shares Common stock held indirectly by IRA

Indirect holdings by daughter 297 shares Common stock held indirectly by daughter

Indirect holdings by son 297 shares Common stock held indirectly by son

Per-share transaction price $0.00 Stated price per share for the 134.488-share grant/award

Key Terms

restricted stock units, Non-Employee Directors Compensation Plan, indirect ownership

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.

Non-Employee Directors Compensation Plan financial

"2014 Non-Employee Directors Compensation Plan"

indirect ownership financial

"nature_of_ownership "By IRA" and holdings by daughter and son"

FAQ

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

What did CFG director Michele N. Siekerka report in this Form 4 filing?

Michele N. Siekerka reported an acquisition of 134.488 shares of Citizens Financial Group common stock. These shares were credited as restricted stock units following a dividend payment under the company’s 2014 Non-Employee Directors Compensation Plan.

How many CFG shares does Michele N. Siekerka directly own after this transaction?

After the reported award, Michele N. Siekerka directly owns 66,456.162 shares of Citizens Financial Group common stock. This figure reflects her direct holdings following the 134.488-share restricted stock unit credit on 2026-08-13.

What is the nature of the 134.488 CFG shares acquired by Michele N. Siekerka?

The 134.488 shares represent restricted stock units credited following Citizens Financial Group’s dividend payment. They were issued under the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan as part of director compensation.

Was the reported CFG stock transaction by Michele N. Siekerka part of open-market buying or selling?

No open-market trade is reported; the Form 4 shows a grant/award acquisition of 134.488 restricted stock units at a $0.00 price. The transaction is classified as a compensation-related award rather than a market purchase or sale.

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

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Available on EDGAR 08/17/2026 - 04:28 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^*

SIEKERKA MICHELE N

(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		134.488⁽¹⁾	A	$0	66,456.162	D
Common Stock								6,102	I	By IRA
Common Stock								297	I	By daughter
Common Stock								297	I	By son

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