Citizens Financial Group (CFG) Stock Concentration Calculator
Calculator · free · no signup · CFGQuantify Citizens Financial Group concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Citizens Financial Group
Citizens Financial Group (CFG) is a public Fintech company, incorporated in Delaware and headquartered in Providence, RI.
Last close: $73.46 per share (as of 2026-08-18).
Equity grants at Citizens Financial Group typically include restricted stock units (RSUs).
Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island. The company owns the bank Citizens Bank, N.A., which operates in the U.S. states of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC.
Source: Wikipedia (CC BY-SA 4.0)
Royal Bank of Scotland sold the bank through a 2014 public offering, leaving a regional franchise concentrated in New England, the Mid-Atlantic, and the Midwest. Regional banking economics come down to deposit cost and credit quality: cheap sticky deposits funding loans that get repaid. The purchase of Investors Bancorp added density in the New York metropolitan area. Commercial real estate exposure is the credit question investors examine most closely. Headquarters are in Providence, Rhode Island.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Citizens Financial Group.
If a meaningful share of your net worth sits in CFG, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with CFG's option-implied volatility.
Example: 5,000 CFG shares at $73.46 is a $367,300 position. A 30% drawdown costs $110,190; a 50% drawdown costs $183,650; a 70% drawdown costs $257,110. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using CFG's option-implied volatility and your cost basis.
All Citizens Financial Group tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Citizens Financial Group equity questions
- How much CFG stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your CFG position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Citizens Financial Group grant ISOs, NSOs, or RSUs?
- Equity compensation at Citizens Financial Group typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your Citizens Financial Group equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.