Citizens Financial Group Inc/Ri (CFG)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 1,831,000 | 1,509,000 | 1,608,000 | 2,073,000 | 2,319,000 |
| Depreciation Amortization | 478,000 | 498,000 | 478,000 | 565,000 | 625,000 |
| Income taxes - deferred | -82,000 | -177,000 | -242,000 | 57,000 | -429,000 |
| Other Working Capital | -720,000 | -595,000 | 371,000 | 875,000 | 123,000 |
| Loans | -414,000 | -24,000 | 98,000 | 1,733,000 | 1,085,000 |
| Other Operating Activity | 1,118,000 | 790,000 | 648,000 | -1,184,000 | -1,448,000 |
| Operating Cash Flow | $2,211,000 | $2,001,000 | $2,961,000 | $4,119,000 | $2,275,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -326,000 | -230,000 | -102,000 | 13,000 | -10,000 |
| PPE Investments | -174,000 | -122,000 | -172,000 | -126,000 | -124,000 |
| Net Acquisitions | N/A | N/A | N/A | -255,000 | -165,000 |
| Purchase Of Investment | -9,463,000 | -9,755,000 | -10,087,000 | -10,776,000 | -12,406,000 |
| Sale Of Investment | 8,565,000 | 7,585,000 | 5,703,000 | 5,635,000 | 9,606,000 |
| Net Loans | -4,222,000 | 5,602,000 | 9,967,000 | -6,257,000 | -6,021,000 |
| Other Investing Activity | -347,000 | -93,000 | -61,000 | -871,000 | -1,366,000 |
| Investing Cash Flow | $-5,967,000 | $2,987,000 | $5,248,000 | $-12,637,000 | $-10,486,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 58,000 | -505,000 | 502,000 | -95,000 | -154,000 |
| Debt Issued | 8,534,000 | 13,185,000 | 25,983,000 | 24,617,000 | N/A |
| Debt Repayment | -9,744,000 | -14,286,000 | -28,418,000 | -19,691,000 | -1,353,000 |
| Common Stock Repurchased | -600,000 | -1,050,000 | -906,000 | -153,000 | -295,000 |
| Dividend Paid | -888,000 | -903,000 | -928,000 | -892,000 | -783,000 |
| Other Financing Activity | -15,000 | 110,000 | 21,000 | -25,000 | 24,000 |
| Financing Cash Flow | $5,882,000 | $-6,015,000 | $-7,128,000 | $9,907,000 | $4,636,000 |
| Beginning Cash Position | 10,601,000 | 11,628,000 | 10,547,000 | 9,158,000 | 12,733,000 |
| End Cash Position | 12,727,000 | 10,601,000 | 11,628,000 | 10,547,000 | 9,158,000 |
| Net Cash Flow | $2,126,000 | $-1,027,000 | $1,081,000 | $1,389,000 | $-3,575,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 2,211,000 | 2,001,000 | 2,961,000 | 4,119,000 | 2,275,000 |
| Capital Expenditure | -174,000 | -122,000 | -172,000 | -126,000 | -124,000 |
| Free Cash Flow | 2,037,000 | 1,879,000 | 2,789,000 | 3,993,000 | 2,151,000 |