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Citizens Bancshares Corporation (CITZ)
OTCMKTS · Delayed Price · Currency is USD
46.20
+2.20 (5.00%)
At close: Jul 30, 2026

Citizens Bancshares Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023
Period Ending
Dec '25 Dec '24 Dec '23
Net Income
11.0210.2611.17
Depreciation & Amortization
2.041.951.95
Gain (Loss) on Sale of Assets
-0.12-0.03-
Gain (Loss) on Sale of Investments
-0.26-0-0.12
Total Asset Writedown
--0.1
Provision for Credit Losses
1.98-0.4-0.72
Net Decrease (Increase) in Loans Originated / Sold - Operating
-0.150.070.11
Accrued Interest Receivable
0.07-0.42-0.53
Change in Other Net Operating Assets
1.13-1.38-0.09
Other Operating Activities
0.060.060.06
Operating Cash Flow
15.3910.5612.27
Operating Cash Flow Growth
45.78%-13.97%-

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023
Period Ending
Dec '25 Dec '24 Dec '23
Capital Expenditures
-0.86-1.83-0.34
Sale of Property, Plant and Equipment
0.090.071.57
Cash Acquisitions
26.14--
Investment in Securities
-28.85-24.97-3.09
Net Decrease (Increase) in Loans Originated / Sold - Investing
-39.71-31.8-27.15
Other Investing Activities
0.45-0.680.66
Investing Cash Flow
-42.74-59.21-28.35

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023
Period Ending
Dec '25 Dec '24 Dec '23
Long-Term Debt Issued
0.9--
Short-Term Debt Repaid
---2.5
Long-Term Debt Repaid
--0.91-3.09
Total Debt Repaid
--0.91-5.59
Net Debt Issued (Repaid)
0.9-0.91-5.59
Issuance of Common Stock
--0.01
Repurchase of Common Stock
--0.65-
Common Dividends Paid
-0.86-0.82-0.79
Net Increase (Decrease) in Deposit Accounts
17.2364.55-43.83
Financing Cash Flow
17.2762.17-50.2

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023
Period Ending
Dec '25 Dec '24 Dec '23
Net Cash Flow
-10.0813.52-66.28

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023
Period Ending
Dec '25 Dec '24 Dec '23
Free Cash Flow
14.548.7311.93
Free Cash Flow Growth
66.48%-26.81%-
Free Cash Flow Margin
31.04%20.36%27.65%
Free Cash Flow Per Share
7.194.295.85

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023
Period Ending
Dec '25 Dec '24 Dec '23
Cash Interest Paid
13.313.829.18
Cash Income Tax Paid
2.552.513.23