Citizens Financial Group Inc/Ri (CFG)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 09-2025 | 06-2025 | 03-2025 | 12-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 1,831,000 | 1,303,000 | 809,000 | 373,000 | 1,509,000 |
| Depreciation Amortization | 478,000 | 366,000 | 247,000 | 123,000 | 498,000 |
| Income taxes - deferred | -82,000 | -93,000 | -115,000 | -16,000 | -177,000 |
| Other Working Capital | -720,000 | 241,000 | -645,000 | -868,000 | -595,000 |
| Loans | -414,000 | -81,000 | -297,000 | -332,000 | -24,000 |
| Other Operating Activity | 1,118,000 | 633,000 | 674,000 | 507,000 | 790,000 |
| Operating Cash Flow | $2,211,000 | $2,369,000 | $673,000 | $-213,000 | $2,001,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -326,000 | -59,000 | -45,000 | -50,000 | -230,000 |
| PPE Investments | -174,000 | -82,000 | -47,000 | -14,000 | -122,000 |
| Purchase Of Investment | -9,463,000 | -5,545,000 | -4,125,000 | -2,365,000 | -9,755,000 |
| Sale Of Investment | 8,565,000 | 4,525,000 | 3,274,000 | 1,638,000 | 7,585,000 |
| Net Loans | -4,222,000 | -2,689,000 | -1,413,000 | -267,000 | 5,602,000 |
| Other Investing Activity | -347,000 | -183,000 | -180,000 | -50,000 | -93,000 |
| Investing Cash Flow | $-5,967,000 | $-4,033,000 | $-2,536,000 | $-1,108,000 | $2,987,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 58,000 | 214,000 | N/A | N/A | -505,000 |
| Debt Issued | 8,534,000 | 6,534,000 | 6,033,000 | 2,533,000 | 13,185,000 |
| Debt Repayment | -9,744,000 | -8,520,000 | -5,926,000 | -2,675,000 | -14,286,000 |
| Common Stock Repurchased | -600,000 | -475,000 | -400,000 | -200,000 | -1,050,000 |
| Dividend Paid | -888,000 | -655,000 | -438,000 | -220,000 | -903,000 |
| Other Financing Activity | -15,000 | 380,000 | 231,000 | 23,000 | 110,000 |
| Financing Cash Flow | $5,882,000 | $2,713,000 | $-190,000 | $2,261,000 | $-6,015,000 |
| Beginning Cash Position | 10,601,000 | 10,601,000 | 10,601,000 | 10,601,000 | 11,628,000 |
| End Cash Position | 12,727,000 | 11,650,000 | 8,548,000 | 11,541,000 | 10,601,000 |
| Net Cash Flow | $2,126,000 | $1,049,000 | $-2,053,000 | $940,000 | $-1,027,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 2,211,000 | 2,369,000 | 673,000 | -213,000 | 2,001,000 |
| Capital Expenditure | -174,000 | -82,000 | -47,000 | -14,000 | -122,000 |
| Free Cash Flow | 2,037,000 | 2,287,000 | 626,000 | -227,000 | 1,879,000 |