Citizens Financial Group (CFG)
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Fiscal Year End Date: 12/31
| 12-2023 | 09-2023 | 06-2023 | 03-2023 | 12-2022 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 1,608,000 | 1,419,000 | 989,000 | 511,000 | 2,073,000 |
| Depreciation Amortization | 478,000 | 352,000 | 230,000 | 118,000 | 565,000 |
| Income taxes - deferred | -242,000 | -61,000 | -40,000 | -63,000 | 57,000 |
| Other Working Capital | 371,000 | 11,000 | -288,000 | 392,000 | 875,000 |
| Loans | 98,000 | 25,000 | -451,000 | -81,000 | 1,733,000 |
| Other Operating Activity | 648,000 | 545,000 | 836,000 | 277,000 | -1,184,000 |
| Operating Cash Flow | $2,961,000 | $2,291,000 | $1,276,000 | $1,154,000 | $4,119,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -102,000 | -21,000 | 19,000 | -17,000 | 13,000 |
| PPE Investments | -172,000 | -124,000 | -91,000 | -52,000 | -126,000 |
| Net Acquisitions | N/A | N/A | N/A | N/A | -255,000 |
| Purchase Of Investment | -10,087,000 | -5,576,000 | -3,206,000 | -1,223,000 | -10,776,000 |
| Sale Of Investment | 5,703,000 | 4,507,000 | 2,930,000 | 2,000,000 | 5,635,000 |
| Net Loans | 9,967,000 | 6,418,000 | 4,994,000 | 1,011,000 | -6,257,000 |
| Other Investing Activity | -61,000 | -181,000 | -5,000 | -227,000 | -871,000 |
| Investing Cash Flow | $5,248,000 | $5,023,000 | $4,641,000 | $1,492,000 | $-12,637,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 502,000 | 229,000 | N/A | N/A | -95,000 |
| Debt Issued | 25,983,000 | 21,233,000 | 12,217,000 | 5,710,000 | 24,617,000 |
| Debt Repayment | -28,418,000 | -19,766,000 | -14,004,000 | -2,752,000 | -19,691,000 |
| Common Stock Repurchased | -906,000 | -906,000 | -656,000 | -400,000 | -153,000 |
| Dividend Paid | -928,000 | -698,000 | -467,000 | -238,000 | -892,000 |
| Other Financing Activity | 21,000 | -26,000 | 1,070,000 | 991,000 | -25,000 |
| Financing Cash Flow | $-7,128,000 | $-2,461,000 | $-4,897,000 | $-5,219,000 | $9,907,000 |
| Beginning Cash Position | 10,547,000 | 10,547,000 | 10,547,000 | 10,547,000 | 9,158,000 |
| End Cash Position | 11,628,000 | 15,400,000 | 11,567,000 | 7,974,000 | 10,547,000 |
| Net Cash Flow | $1,081,000 | $4,853,000 | $1,020,000 | $-2,573,000 | $1,389,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 2,961,000 | 2,291,000 | 1,276,000 | 1,154,000 | 4,119,000 |
| Capital Expenditure | -172,000 | -124,000 | -91,000 | -52,000 | -126,000 |
| Free Cash Flow | 2,789,000 | 2,167,000 | 1,185,000 | 1,102,000 | 3,993,000 |