Form 4: CFG Director Marita Zuraitis Increases Stock Holdings

Citizens Financial Group Director Marita Zuraitis increased her beneficial ownership of common stock by 347.108 shares through a restricted stock unit grant.

Summary

• Marita Zuraitis, a Director of Citizens Financial Group, Inc. (CFG), acquired 347.108 shares of common stock.
• The acquisition occurred on November 12, 2025, at a price of $0 per share.
• This transaction reflects restricted stock units credited to her account following the issuer's dividend payment.
• The grant was made pursuant to the Amended & Restated Citizens Financial Group, Inc. 2014 Non-Employee Directors Compensation Plan.
• Following this transaction, Ms. Zuraitis beneficially owns a total of 54,578.523 shares of CFG common stock.

Sentiment

Score: 6

Explanation: Slightly positive, as it indicates a director's increased stake in the company, albeit through a routine compensation grant, which generally aligns interests with shareholders.

Positives

• Director Marita Zuraitis increased her beneficial ownership of Citizens Financial Group common stock, which can signal confidence in the company's future.
• The acquisition of restricted stock units is part of a pre-existing, approved non-employee director compensation plan, indicating structured governance.

Negatives

• No direct negatives are apparent from this routine insider transaction filing.

Risks

• No specific risks are mentioned in this Form 4 filing.

Future Outlook

This filing does not contain any forward-looking statements or guidance regarding the company's future performance or strategic direction.

Industry Context

Insider transactions, such as the grant of restricted stock units to directors, are common practices in the financial services industry as part of executive and director compensation packages. These grants align the interests of directors with those of shareholders by increasing their equity stake in the company.

Comparison to Industry Standards

• The grant of restricted stock units to non-employee directors is a standard compensation practice across publicly traded companies, including those in the financial sector.
• This method is widely used to incentivize long-term commitment and align director interests with shareholder value, consistent with corporate governance best practices observed in major financial institutions.

Corporate Governance

Stakeholder Impact

• Shareholders: Potentially positive, as increased director ownership can signal confidence and better alignment of interests.

Key Dates

Keywords

Citizens Financial Group, CFG, Marita Zuraitis, Insider transaction, Form 4, Director compensation, Restricted stock units, Stock ownership