Citizens Financial Group (CFG)
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Fiscal Year End Date: 12/31
| 03-2020 | 12-2019 | 09-2019 | 06-2019 | 03-2019 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 34,000 | 1,791,000 | 1,341,000 | 892,000 | 439,000 |
| Depreciation Amortization | 204,000 | 633,000 | 440,000 | 275,000 | 134,000 |
| Income taxes - deferred | -134,000 | 64,000 | -41,000 | -10,000 | -1,000 |
| Other Working Capital | -2,052,000 | -1,194,000 | -1,070,000 | -771,000 | -191,000 |
| Loans | -860,000 | -672,000 | -697,000 | -471,000 | 116,000 |
| Other Operating Activity | 1,481,000 | 1,075,000 | 997,000 | 662,000 | -25,000 |
| Operating Cash Flow | $-1,327,000 | $1,697,000 | $970,000 | $577,000 | $472,000 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 17,000 | -149,000 | -10,000 | -38,000 | -19,000 |
| PPE Investments | -16,000 | -95,000 | -47,000 | -10,000 | 15,000 |
| Net Acquisitions | -3,000 | -129,000 | -129,000 | -129,000 | -129,000 |
| Purchase Of Investment | -2,102,000 | -8,422,000 | -4,633,000 | -3,368,000 | -2,064,000 |
| Sale Of Investment | 1,141,000 | 9,360,000 | 4,739,000 | 3,174,000 | 1,826,000 |
| Net Loans | -7,630,000 | -4,334,000 | -1,534,000 | -806,000 | -1,047,000 |
| Other Investing Activity | -175,000 | -106,000 | -172,000 | -111,000 | -53,000 |
| Investing Cash Flow | $-8,768,000 | $-3,875,000 | $-1,786,000 | $-1,288,000 | $-1,471,000 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 780,000 | N/A | N/A | 123,000 | -638,000 |
| Debt Issued | 6,800,000 | 12,850,000 | 7,300,000 | 4,500,000 | 2,750,000 |
| Debt Repayment | -4,500,000 | -14,857,000 | -10,556,000 | -9,005,000 | -7,002,000 |
| Common Stock Repurchased | -270,000 | -1,220,000 | -820,000 | -320,000 | -200,000 |
| Dividend Paid | -191,000 | -682,000 | -507,000 | -327,000 | -164,000 |
| Other Financing Activity | -14,000 | -339,000 | 28,000 | 272,000 | 274,000 |
| Financing Cash Flow | $10,767,000 | $1,490,000 | $584,000 | $-328,000 | $-639,000 |
| Beginning Cash Position | 3,386,000 | 4,074,000 | 4,074,000 | 4,074,000 | 4,074,000 |
| End Cash Position | 4,058,000 | 3,386,000 | 3,842,000 | 3,035,000 | 2,436,000 |
| Net Cash Flow | $672,000 | $-688,000 | $-232,000 | $-1,039,000 | $-1,638,000 |
| Free Cash Flow | |||||
| Operating Cash Flow | -1,327,000 | 1,697,000 | 970,000 | 577,000 | 472,000 |
| Capital Expenditure | -16,000 | -95,000 | -47,000 | -10,000 | 15,000 |
| Free Cash Flow | -1,343,000 | 1,602,000 | 923,000 | 567,000 | 487,000 |