Citizens Financial Group (CFG)
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Fiscal Year End Date: 12/31
| 03-2025 | 12-2024 | 09-2024 | 06-2024 | 03-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 373,000 | 1,509,000 | 1,108,000 | 726,000 | 334,000 |
| Depreciation Amortization | 123,000 | 498,000 | 374,000 | 245,000 | 102,000 |
| Income taxes - deferred | -16,000 | -177,000 | -50,000 | -32,000 | N/A |
| Other Working Capital | -868,000 | -595,000 | -501,000 | 46,000 | -82,000 |
| Loans | -332,000 | -24,000 | 62,000 | 85,000 | 171,000 |
| Other Operating Activity | 507,000 | 790,000 | 525,000 | 318,000 | 29,000 |
| Operating Cash Flow | $-213,000 | $2,001,000 | $1,518,000 | $1,388,000 | $554,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -50,000 | -230,000 | -243,000 | -154,000 | 13,000 |
| PPE Investments | -14,000 | -122,000 | -74,000 | -40,000 | -10,000 |
| Purchase Of Investment | -2,365,000 | -9,755,000 | -6,497,000 | -4,487,000 | -3,057,000 |
| Sale Of Investment | 1,638,000 | 7,585,000 | 4,693,000 | 2,345,000 | 1,435,000 |
| Net Loans | -267,000 | 5,602,000 | 3,529,000 | 3,516,000 | 2,635,000 |
| Other Investing Activity | -50,000 | -93,000 | -29,000 | 38,000 | 23,000 |
| Investing Cash Flow | $-1,108,000 | $2,987,000 | $1,379,000 | $1,218,000 | $1,039,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | N/A | -505,000 | -490,000 | N/A | N/A |
| Debt Issued | 2,533,000 | 13,185,000 | 13,185,000 | 10,853,000 | 5,765,000 |
| Debt Repayment | -2,675,000 | -14,286,000 | -12,741,000 | -11,256,000 | -5,437,000 |
| Common Stock Repurchased | -200,000 | -1,050,000 | -825,000 | -500,000 | -300,000 |
| Dividend Paid | -220,000 | -903,000 | -677,000 | -452,000 | -228,000 |
| Other Financing Activity | 23,000 | 110,000 | 92,000 | -118,000 | -508,000 |
| Financing Cash Flow | $2,261,000 | $-6,015,000 | $-3,610,000 | $-2,463,000 | $-1,622,000 |
| Beginning Cash Position | 10,601,000 | 11,628,000 | 11,628,000 | 11,628,000 | 11,628,000 |
| End Cash Position | 11,541,000 | 10,601,000 | 10,915,000 | 11,771,000 | 11,599,000 |
| Net Cash Flow | $940,000 | $-1,027,000 | $-713,000 | $143,000 | $-29,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | -213,000 | 2,001,000 | 1,518,000 | 1,388,000 | 554,000 |
| Capital Expenditure | -14,000 | -122,000 | -74,000 | -40,000 | -10,000 |
| Free Cash Flow | -227,000 | 1,879,000 | 1,444,000 | 1,348,000 | 544,000 |