Citizens Financial Corp. (CIWV)
OTCMKTS · Delayed Price · Currency is USD
47.50
0.00 (0.00%)
Aug 4, 2026, 4:00 PM EST
Citizens Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 10.18 | 7.54 | 6.24 | 6.54 | 5.79 |
Depreciation & Amortization | 0.74 | 0.72 | 0.65 | 0.6 | 0.33 |
Gain (Loss) on Sale of Assets | -0.04 | -0.09 | -0.15 | -0.11 | -0 |
Gain (Loss) on Sale of Investments | 0.07 | 0.19 | 0.19 | 0.44 | 0.04 |
Total Asset Writedown | 0.36 | - | - | - | - |
Provision for Credit Losses | 2.02 | 2.21 | 1.2 | 0.55 | 0.5 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.18 | 0.16 | 0.1 | 0.1 | 0.5 |
Accrued Interest Receivable | -0.34 | -0.03 | -0.63 | -0.46 | -0.13 |
Change in Other Net Operating Assets | 0.56 | 0.56 | 0.46 | -0.02 | 0.23 |
Other Operating Activities | -0.78 | -0.79 | -0.52 | -0.33 | 0.01 |
Operating Cash Flow | 12.93 | 10.43 | 7.56 | 7.27 | 6.86 |
Operating Cash Flow Growth | 24.01% | 37.96% | 3.92% | 5.97% | 25.38% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.44 | -1.16 | -1.8 | -0.62 | -0.49 |
Sale of Property, Plant and Equipment | - | - | - | 2.27 | - |
Cash Acquisitions | - | - | - | - | 90.59 |
Investment in Securities | -0.17 | 17.29 | 5.55 | -15.46 | -69.33 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -11.28 | -26.21 | -79.21 | -154.11 | -31.56 |
Other Investing Activities | 0.05 | 0.76 | -2.32 | -3.98 | -0.17 |
Investing Cash Flow | -11.52 | -8.4 | -77.51 | -171.89 | -9.38 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | 0.35 | - | - | - | 0.07 |
Long-Term Debt Issued | - | - | 8.5 | 6 | 10 |
Total Debt Issued | 0.35 | - | 8.5 | 6 | 10.07 |
Short-Term Debt Repaid | - | -3.44 | -11.11 | -3.96 | - |
Long-Term Debt Repaid | -2.59 | -2.55 | -2.44 | -4.82 | -1.43 |
Total Debt Repaid | -2.59 | -5.99 | -13.55 | -8.78 | -1.43 |
Net Debt Issued (Repaid) | -2.24 | -5.99 | -5.05 | -2.78 | 8.64 |
Repurchase of Common Stock | -0.08 | -0 | -0.03 | -0.09 | -0.09 |
Common Dividends Paid | -1.79 | -1.57 | -1.46 | -1.42 | -1.21 |
Net Increase (Decrease) in Deposit Accounts | 29.34 | 12.68 | 58.6 | 99.69 | 57.36 |
Financing Cash Flow | 25.23 | 5.12 | 52.05 | 95.4 | 64.7 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 26.64 | 7.14 | -17.9 | -69.21 | 62.19 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 12.5 | 9.27 | 5.76 | 6.66 | 6.38 |
Free Cash Flow Growth | 34.79% | 61.00% | -13.48% | 4.35% | 21.63% |
Free Cash Flow Margin | 43.22% | 39.01% | 27.80% | 34.18% | 37.51% |
Free Cash Flow Per Share | 6.99 | 5.20 | 3.24 | 3.76 | 3.60 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 13.62 | 15.04 | 10.04 | 2.64 | 1.21 |
Cash Income Tax Paid | 2.66 | 2.37 | 1.54 | 1.04 | 1.81 |