Citizens Fincl Svcs (CZFS)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 36,572 | 27,818 | 17,811 | 29,060 | 29,118 |
| Depreciation Amortization | -1,088 | -8 | -18 | 972 | -1,207 |
| Income taxes - deferred | 797 | 1,771 | 595 | -36 | 689 |
| Other Working Capital | -3,248 | -883 | 1,449 | 1,294 | 8,300 |
| Loans | 139 | -330 | 2,007 | 3,722 | 9,670 |
| Other Operating Activity | 3,362 | 4,814 | 4,693 | -1,772 | -7,877 |
| Operating Cash Flow | $36,534 | $33,182 | $26,537 | $33,240 | $38,693 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -1,284 | 5,871 | -2,617 | -1,634 | -1,105 |
| Net Acquisitions | N/A | N/A | 4,905 | N/A | N/A |
| Purchase Of Investment | -118,265 | -98,022 | -40,843 | -134,359 | -214,906 |
| Sale Of Investment | 112,444 | 91,265 | 138,553 | 48,837 | 89,707 |
| Net Loans | -33,481 | -70,245 | -43,951 | -281,389 | -32,111 |
| Other Investing Activity | 510 | 2,058 | 3,418 | 6,093 | 183 |
| Investing Cash Flow | $-40,076 | $-69,073 | $59,465 | $-362,452 | $-158,232 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 52,705 | 9,279 | -34,569 | 188,013 | 2,060 |
| Debt Issued | N/A | N/A | 40,000 | N/A | 9,869 |
| Debt Repayment | -42,000 | -35,000 | N/A | -4,725 | -26,800 |
| Common Stock Issued | 68 | 16 | 34 | 112 | N/A |
| Common Stock Repurchased | -545 | -266 | -265 | -1,279 | -1,374 |
| Dividend Paid | -9,548 | -9,302 | -8,503 | -7,588 | -7,383 |
| Financing Cash Flow | $-4,369 | $25,275 | $-59,395 | $182,590 | $223,665 |
| Beginning Cash Position | 42,202 | 52,818 | 26,211 | 172,833 | 68,707 |
| End Cash Position | 34,291 | 42,202 | 52,818 | 26,211 | 172,833 |
| Net Cash Flow | $-7,911 | $-10,616 | $26,607 | $-146,622 | $104,126 |
| Free Cash Flow | |||||
| Operating Cash Flow | 36,534 | 33,182 | 26,537 | 33,240 | 38,693 |
| Capital Expenditure | -1,296 | -1,314 | -2,617 | -1,634 | -1,105 |
| Free Cash Flow | 35,238 | 31,868 | 23,920 | 31,606 | 37,588 |