Capital One director granted 1,294 RSUs

Harford Suni P reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Harford Suni P reported acquisition or exercise transactions in this Form 4 filing.

CAPITAL ONE FINANCIAL CORP director Suni P. Harford received an equity award of 1,294 shares of common stock in the form of restricted stock units. These RSUs vest in full and settle in common shares on May 8, 2027, and will include additional shares for accrued dividends. Following this grant, Harford directly holds 4,314 shares of Capital One common stock.

Insider Trade Summary

Grant/Award: 1,294 shares

Grant/Award 1 txn

Insider Harford Suni P

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,294	$0.00	$0.00

Holdings After Transaction: Common Stock — 4,314 shares (Direct)

Footnotes (1)

1. F1. Restricted stock units which vest in their entirety and settle in shares of the Company's common stock on May 8, 2027. The reporting person will also be entitled to additional shares representing dividends accrued on the shares issuable at settlement.

Key Figures

RSU grant size: 1,294 shares Grant price per share: $0.0000 per share Shares after transaction: 4,314 shares +1 more

4 metrics

RSU grant size 1,294 shares Restricted stock units awarded on May 8, 2026

Grant price per share $0.0000 per share Equity award, no cash paid by director

Shares after transaction 4,314 shares Total Capital One common stock held directly after grant

Vesting date May 8, 2027 RSUs vest in full and settle in common shares

Key Terms

Restricted stock units, settle in shares, dividends accrued

3 terms

Restricted stock units financial

"Restricted stock units which vest in their entirety and settle in shares of the Company's common stock on May 8, 2027."

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.

settle in shares financial

"Restricted stock units which vest in their entirety and settle in shares of the Company's common stock on May 8, 2027."

dividends accrued financial

"The reporting person will also be entitled to additional shares representing dividends accrued on the shares issuable at settlement."

FAQ

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

What did Capital One (COF) director Suni P. Harford receive in this Form 4?

Suni P. Harford received an equity award of 1,294 restricted stock units. These units represent a right to receive Capital One common shares in the future, rather than an immediate cash payment or open-market stock purchase.

When do Suni P. Harford’s 1,294 Capital One RSUs vest?

The 1,294 restricted stock units vest in their entirety on May 8, 2027. At that time, the award will settle in shares of Capital One common stock, converting the RSUs into actual share ownership for the director.

Does Suni P. Harford receive dividends on the Capital One RSU award?

The filing states Harford will be entitled to additional shares representing dividends accrued on the shares issuable at settlement. Instead of cash dividends now, extra shares will be added when the RSUs convert in 2027.

How many Capital One (COF) shares does Suni P. Harford hold after this grant?

After the grant of 1,294 restricted stock units, Harford directly holds 4,314 shares of Capital One common stock. This total reflects the updated ownership position reported as of the transaction date in the Form 4.

Did Suni P. Harford buy or sell Capital One shares in the market?

No open-market buy or sell is reported. The Form 4 shows an “A” code transaction, indicating a grant or award acquisition of 1,294 restricted stock units, rather than a market purchase or sale of existing Capital One shares.

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

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Accepted by SEC EDGAR 05/12/2026 - 05:02 PM EDT 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^*

Harford Suni P

(Last) (First) (Middle)

1680 CAPITAL ONE DRIVE

(Street)

MCLEAN VIRGINIA 22102

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
CAPITAL ONE FINANCIAL CORP [ COF ]

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)
05/08/2026

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock(1)	05/08/2026		A		1,294	A	$0	4,314	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. Restricted stock units which vest in their entirety and settle in shares of the Company's common stock on May 8, 2027. The reporting person will also be entitled to additional shares representing dividends accrued on the shares issuable at settlement.

Remarks:

	/s/ Katherine DeLuca (POA on file)	05/12/2026
	** 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)