Citizens Fincl Svcs (CZFS)
[[ item.lastPrice ]] [[ item.priceChange ]] ([[ item.percentChange ]]) [[ item.tradeTime ]] [NASDAQ]
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[[ session ]] by (Cboe BZX)
[[ item.lastPrice ]] [[ item.priceChange ]] ([[ item.percentChange ]]) [[ item.tradeTime ]] [NASDAQ]
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[[ session ]] [[ item.lastPriceExt ]] [[ item.priceChangeExt ]] ([[ item.percentChangeExt ]]) [[ item.tradeTimeExt ]]
Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2024 | 12-2023 | 12-2022 | 12-2021 | 12-2020 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 27,818 | 17,811 | 29,060 | 29,118 | 25,103 |
| Depreciation Amortization | -8 | -18 | 972 | -1,207 | -1,667 |
| Income taxes - deferred | 1,771 | 595 | -36 | 689 | 367 |
| Other Working Capital | -883 | 1,449 | 1,294 | 8,300 | -16,170 |
| Loans | -330 | 2,007 | 3,722 | 9,670 | -14,383 |
| Other Operating Activity | 4,814 | 4,693 | -1,772 | -7,877 | 18,572 |
| Operating Cash Flow | $33,182 | $26,537 | $33,240 | $38,693 | $11,822 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | 5,871 | -2,617 | -1,634 | -1,105 | -942 |
| Net Acquisitions | N/A | 4,905 | N/A | N/A | 1,022 |
| Purchase Of Investment | -98,022 | -40,843 | -134,359 | -214,906 | -152,722 |
| Sale Of Investment | 91,265 | 138,553 | 48,837 | 89,707 | 103,045 |
| Net Loans | -70,245 | -43,951 | -281,389 | -32,111 | -63,440 |
| Other Investing Activity | 2,058 | 3,418 | 6,093 | 183 | 2,303 |
| Investing Cash Flow | $-69,073 | $59,465 | $-362,452 | $-158,232 | $-110,734 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 9,279 | -34,569 | 188,013 | 2,060 | -16,280 |
| Debt Issued | N/A | 40,000 | N/A | 9,869 | 20,000 |
| Debt Repayment | -35,000 | N/A | -4,725 | -26,800 | -15,000 |
| Common Stock Issued | 16 | 34 | 112 | N/A | 126 |
| Common Stock Repurchased | -266 | -265 | -1,279 | -1,374 | -2,122 |
| Dividend Paid | -9,302 | -8,503 | -7,588 | -7,383 | -6,539 |
| Financing Cash Flow | $25,275 | $-59,395 | $182,590 | $223,665 | $149,099 |
| Beginning Cash Position | 52,818 | 26,211 | 172,833 | 68,707 | 18,520 |
| End Cash Position | 42,202 | 52,818 | 26,211 | 172,833 | 68,707 |
| Net Cash Flow | $-10,616 | $26,607 | $-146,622 | $104,126 | $50,187 |
| Free Cash Flow | |||||
| Operating Cash Flow | 33,182 | 26,537 | 33,240 | 38,693 | 11,822 |
| Capital Expenditure | -1,314 | -2,617 | -1,634 | -1,105 | -942 |
| Free Cash Flow | 31,868 | 23,920 | 31,606 | 37,588 | 10,880 |