Citizens Financial Group (CFG)
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Fiscal Year End Date: 12/31
| 09-2022 | 06-2022 | 03-2022 | 12-2021 | 09-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 1,420,000 | 784,000 | 420,000 | 2,319,000 | 1,789,000 |
| Depreciation Amortization | 448,000 | 327,000 | 67,000 | 625,000 | 453,000 |
| Income taxes - deferred | 124,000 | 78,000 | -47,000 | -429,000 | 214,000 |
| Other Working Capital | 281,000 | -1,777,000 | 1,082,000 | 123,000 | -937,000 |
| Loans | 1,404,000 | 1,220,000 | 898,000 | 1,085,000 | 623,000 |
| Other Operating Activity | -999,000 | -954,000 | -866,000 | -1,448,000 | -972,000 |
| Operating Cash Flow | $2,678,000 | $-322,000 | $1,554,000 | $2,275,000 | $1,170,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 55,000 | -153,000 | -369,000 | -10,000 | 17,000 |
| PPE Investments | -141,000 | -56,000 | -51,000 | -124,000 | -59,000 |
| Net Acquisitions | -235,000 | -234,000 | -143,000 | -165,000 | -14,000 |
| Purchase Of Investment | -9,772,000 | -8,638,000 | -2,656,000 | -12,406,000 | -8,669,000 |
| Sale Of Investment | 4,672,000 | 3,723,000 | 2,097,000 | 9,606,000 | 6,969,000 |
| Net Loans | -6,226,000 | -7,177,000 | -2,609,000 | -6,021,000 | -384,000 |
| Other Investing Activity | -832,000 | -827,000 | -183,000 | -1,366,000 | -847,000 |
| Investing Cash Flow | $-12,479,000 | $-13,362,000 | $-3,914,000 | $-10,486,000 | $-2,987,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 174,000 | N/A | N/A | -154,000 | -240,000 |
| Debt Issued | 11,516,000 | 5,217,000 | N/A | N/A | N/A |
| Debt Repayment | -6,190,000 | -1,756,000 | -1,004,000 | -1,353,000 | -1,357,000 |
| Common Stock Repurchased | -2,000 | -2,000 | N/A | -295,000 | -95,000 |
| Dividend Paid | -659,000 | -416,000 | -198,000 | -783,000 | -590,000 |
| Other Financing Activity | -24,000 | 3,650,000 | -75,000 | 24,000 | 25,000 |
| Financing Cash Flow | $8,803,000 | $11,040,000 | $3,138,000 | $4,636,000 | $2,800,000 |
| Beginning Cash Position | 9,158,000 | 9,158,000 | 9,158,000 | 12,733,000 | 12,733,000 |
| End Cash Position | 8,160,000 | 6,514,000 | 9,936,000 | 9,158,000 | 13,716,000 |
| Net Cash Flow | $-998,000 | $-2,644,000 | $778,000 | $-3,575,000 | $983,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | 2,678,000 | -322,000 | 1,554,000 | 2,275,000 | 1,170,000 |
| Capital Expenditure | -141,000 | -56,000 | -51,000 | -124,000 | -59,000 |
| Free Cash Flow | 2,537,000 | -378,000 | 1,503,000 | 2,151,000 | 1,111,000 |