Stocks/Funds/CIK 759944

CITIZENS FINANCIAL GROUP INC/RI

index-like (500+ pos)long-term holder
Quarterly 13F filings · Latest period 2026-03-31 · CIK 759944
Assets
$7.18B
+41.8% YoY
Holdings
831
Lifetime alpha vs market
-0.17% annual
Average hold time
4.7 yr
median 3.5 yr

Quarterly history

Cum return +266% vs S&P +272% · α -6% lifetimeAUM $7.2B · peak $7.5BFlow $81M (+1%)2016-062017-122019-062020-122022-062023-122025-062026-03
AUM ($B)fundS&P 500(gap = α)/ Flow in/out

Behavior signals (lifetime)

Dip response
-2.40%
trims when stocks drop
when a holding falls −10%+
Middle response
-0.25%
baseline attrition
Rally response
+1.03%
adds into rallies
when a holding rises +10%+

Top positions · 30

Ticker$ value% portYoYHold time
VOOVanguard S&P 500 ETF$458M6.4%10.3 yr
AAPLApple Inc.$354M4.9%+14.7%10.5 yr
IVViShares Core S&P 500 ETF$293M4.1%10.5 yr
NVDANVIDIA Corporation$287M4.0%+60.9%10.5 yr
MSFTMicrosoft Corporation$218M3.0%-0.6%10.5 yr
IEFAiShares Core MSCI EAFE E$207M2.9%8.3 yr
IJHiShares Core S&P Mid-Cap$206M2.9%10.5 yr
GOOGLAlphabet Inc.$196M2.7%10.5 yr
SPYState Street SPDR S&P 50$146M2.0%+17.6%10.5 yr
AMZNAmazon.com, Inc.$139M1.9%+9.5%10.5 yr
VEAVanguard FTSE Developed $129M1.8%8.3 yr
VTVVanguard Value ETF$124M1.7%7.3 yr
IEMGiShares Core MSCI Emergi$116M1.6%8.5 yr
PGThe Procter & Gamble Com$104M1.4%-12.9%10.5 yr
JPMJPMorgan Chase & Co.$103M1.4%+21.8%10.5 yr

Portfolio composition (YoY)

Industry mix
Asset Management43.0%-5.9pp$3.08B
Semiconductors6.3%+2.1pp$451M
Internet Content & Information5.1%+1.5pp$363M
Consumer Electronics4.9%+2.2pp$354M
Software - Infrastructure3.6%-0.4pp$262M
Banks - Diversified3.1%+0.4pp$224M
Drug Manufacturers - General3.0%+0.2pp$218M
Specialty Retail2.3%+0.6pp$163M
Financial - Credit Services2.1%-0.3pp$151M
Industrial - Machinery1.6%-0.3pp$111M
Country
US98.1%+0.4pp
IE0.9%-0.2pp
GB0.4%+0.1pp
CH0.2%+0.1pp
CA0.2%+0.1pp
LU0.1%+0.1pp
BM0.0%
Unknown0.0%-0.5pp
Top 5: 22.4% · Top 10: 34.9% · Top 25: 53.6%

Winners

TickerPrev $PnLYoY %
NVDA$150M+0.09B60.9%
SPY$144M+0.02B17.6%
AVGO$29M+0.02B86.0%
GOOG$29M+0.02B84.3%
AAPL$138M+0.02B14.7%

Losers

TickerPrev $PnLYoY %
PG$101M-0.01B-12.9%
MA$73M-0.01B-8.5%
MSFT$173M-0.00B-0.6%
META$65M-0.00B-0.4%

Top buys this quarter · 15

GS The Goldman Sachs Group, Inc.+$13M
NFLX Netflix, Inc.+$11M
NEM Newmont Corporation+$8M
LRCX Lam Research Corporation+$6M
ORLY O'Reilly Automotive, Inc.+$6M
FSLR First Solar, Inc.+$5M
HII Huntington Ingalls Industries,+$5M
CEG Constellation Energy Corporati+$5M
FIG Figma, Inc.new+$3M
VRTX Vertex Pharmaceuticals Incorpo+$3M

Top sells this quarter · 15

BR Broadridge Financial Solutions$14M
MPC Marathon Petroleum Corporation$12M
SPY State Street SPDR S&P 500 ETF $11M
GOOG Alphabet Inc.$9M
RJF Raymond James Financial, Inc.$6M
BW Babcock & Wilcox Enterprises, exit$6M
AAPL Apple Inc.$5M
ETN Eaton Corporation plc$48M
PFE Pfizer Inc.$5M
AON Aon plc$5M

Quarterly history (TTM returns)

PeriodAUM# PosReturn (1yr)SPY (1yr)Alpha (1yr)Flow
2026-03-31$7.18B831+18.34%+17.59%+0.75%+0.08B
2025-12-31$7.45B808+18.12%+17.72%+0.40%+0.03B
2025-09-30$7.29B790+18.89%+17.52%+1.37%+0.54B
2025-06-30$6.21B686+15.23%+14.94%+0.29%+0.52B
2025-03-31$5.06B611+5.49%+8.30%-2.81%+0.19B
2024-12-31$5.12B573+21.83%+24.89%-3.06%+0.03B
2024-09-30$4.97B556+32.74%+36.04%-3.30%+0.22B
2024-06-30$4.50B523+21.64%+24.49%-2.86%+1.32B
2024-03-31$3.09B433+27.36%+29.62%-2.26%-0.09B
2023-12-31$2.90B393+23.06%+26.18%-3.12%+0.16B
2023-09-30$2.45B339+19.15%+21.57%-2.42%-0.20B
2023-06-30$2.75B379+18.72%+19.42%-0.70%-0.20B
2023-03-31$2.73B447-5.95%-7.82%+1.87%+0.01B
2022-12-31$2.56B414-15.41%-18.17%+2.77%+0.13B
2022-09-30$2.25B406-13.06%-15.51%+2.45%-0.04B
2022-06-30$2.38B416-9.06%-10.62%+1.56%-0.05B