Zamsky Michael

COF Chief Credit Officer Michael Zamsky sold 5,515 shares at $209.59 on 2025-08-04; holds 27,364 shares post-sale.

Zamsky reduced his COF position by 5,515 shares (-16.8% vs pre-transaction holdings of 32,879 shares) at $209.59, currently trading 1.6% higher at $212.88. His prior COF sales occurred in May and November 2024; the two November 2024 sales saw 30-day declines of -2.8% and -3.1% but recovered to 90-day gains of +4.6% and +4.3%, indicating neither was well-timed to avoid subsequent strength. Cross-ticker, his 5 prior open-market sales averaged -0.8% return in 30 days and +4.4% in 90 days, with a 90-day well-timed rate of 0.00%, suggesting his sales have consistently missed upside rallies. COF's fundamentals show a sharp loss: net income of $-4,277,000,000.00 ($-4.3B) in the latest quarter against $12,492,000,000.00 ($12.5B) revenue, though annual revenue grew +6.3% year-over-year. The sale occurs near the 52-week high of $220.91, but absent a 10b5-1 plan or scheduled disposition trigger disclosed here, the sale's timing relative to known fundamental headwinds warrants monitoring.

COF Chief Credit & Financial Risk Officer Zamsky sold 9,560 shares in 3 transactions on 2025-05-12 for $1,906,311.45 at blended $199.40.

Michael Zamsky, Chief Credit & Financial Risk Officer at Capital One Financial, executed 3 separate sales on 2025-05-12 totaling 9,560 shares ($1,906,311.45), reducing his holdings by 32.2% to 20,089 shares. The transactions occurred at prices ($198.53, $199.38, $200.28) near the 52-week high of $209.82, and the current price of $197.24 remains near recent transaction levels. His prior trades at COF (2 sells in November 2024) both resulted in positive 90-day returns (+4.6% and +4.3%), indicating he has not demonstrated well-timed exit patterns at this specific ticker—the stock rose after those prior sales. Given the substantial percentage reduction of his position and the execution across three separate price points within a single trading day, this sale warrants observation in the context of his role in credit and financial risk oversight at a major financial institution.

Chief Credit Officer sells 10,541 shares for $2,005,491.64 at COF; retains 26,482 shares post-transaction.

Zamsky Michael, Chief Credit & Financial Risk Officer at Capital One, executed two separate sales on 2024-11-12 totaling 10,541 shares for $2,005,491.64. The transactions occurred at prices of $190.01 and $190.64, yielding a blended average of $190.26, while the current market price stands at $183.00. This sale represents a 28.5% reduction from his pre-transaction holdings of 37,023 shares, leaving him with 26,482 shares post-transaction. The stock has appreciated 16.8% over the past 30 days and 31.1% over 90 days, trading near its 52-week high of $190.97. Capital One's fundamentals remain solid with net income of $1,777,000,000.00 and revenue growth of 7.4% year-over-year. The reduction in a substantial position by a senior risk officer warrants investor attention to underlying business conditions and risk appetite management.