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)
| 06-2026 | 03-2026 | 12-2025 | 09-2025 | 06-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 20,563 | 10,376 | 36,572 | 26,089 | 16,084 |
| Depreciation Amortization | -790 | -343 | -1,088 | -730 | -340 |
| Income taxes - deferred | 258 | -187 | 797 | 547 | 623 |
| Other Working Capital | -2,377 | 3,299 | -3,248 | -7,061 | -8,896 |
| Loans | -1,024 | 3,494 | 139 | -3,953 | -5,947 |
| Other Operating Activity | 1,299 | 1,379 | 3,362 | 4,912 | 15,405 |
| Operating Cash Flow | $17,929 | $18,018 | $36,534 | $19,804 | $16,929 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -412 | -125 | -1,284 | -1,212 | -1,068 |
| Purchase Of Investment | -111,724 | -33,660 | -118,265 | -92,694 | -52,428 |
| Sale Of Investment | 63,241 | 32,679 | 112,444 | 79,273 | 49,883 |
| Net Loans | -39,567 | 53,047 | -33,481 | -19,386 | 73,137 |
| Other Investing Activity | -21,111 | -22,000 | 510 | 442 | 442 |
| Investing Cash Flow | $-109,573 | $29,941 | $-40,076 | $-33,577 | $69,966 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 94,347 | -110,807 | 52,705 | 17,942 | 24,760 |
| Debt Repayment | -10,000 | N/A | -42,000 | -37,000 | -10,000 |
| Common Stock Issued | 35 | 16 | 68 | 48 | 32 |
| Common Stock Repurchased | -305 | -158 | -545 | -373 | -296 |
| Dividend Paid | -4,853 | -2,402 | -9,548 | -7,146 | -4,743 |
| Financing Cash Flow | $96,782 | $-49,145 | $-4,369 | $2,646 | $-79,613 |
| Beginning Cash Position | 34,291 | 34,291 | 42,202 | 42,202 | 42,202 |
| End Cash Position | 39,429 | 33,105 | 34,291 | 31,075 | 49,484 |
| Net Cash Flow | $5,138 | $-1,186 | $-7,911 | $-11,127 | $7,282 |
| Free Cash Flow | |||||
| Operating Cash Flow | 17,929 | 18,018 | 36,534 | 19,804 | 16,929 |
| Capital Expenditure | -412 | -125 | -1,296 | -1,225 | -1,080 |
| Free Cash Flow | 17,517 | 17,893 | 35,238 | 18,579 | 15,849 |