Citizens Bancorp (CZBC)
OTCMKTS · Delayed Price · Currency is USD
16.00
+0.34 (2.17%)
Aug 4, 2026, 1:55 PM EST
Citizens Bancorp 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 | 2.49 | 3.37 | 6.15 | 9.1 | 10.32 |
Depreciation & Amortization | 0.66 | 0.62 | 0.52 | 0.52 | 0.59 |
Gain (Loss) on Sale of Assets | - | - | - | -0.12 | 0.02 |
Gain (Loss) on Sale of Investments | 3.17 | 3.66 | 4.07 | 5.25 | 4.67 |
Provision for Credit Losses | 0.31 | 0.48 | 0.01 | -2.53 | -4.5 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | - | - | - | 0 | 1.47 |
Accrued Interest Receivable | 0.12 | 0.45 | -0.53 | -0.07 | -0.15 |
Other Operating Activities | 1.01 | -5.71 | 2.98 | 1.41 | 0.6 |
Operating Cash Flow | 7.75 | 2.86 | 13.2 | 13.56 | 12.55 |
Operating Cash Flow Growth | 170.81% | -78.32% | -2.68% | 8.10% | 8.81% |
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 | -0.36 | -0.71 | -1.44 | -0.49 | -0.46 |
Investment in Securities | 4.54 | 65.02 | 78.04 | 22.87 | -254.69 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 11.59 | 30.2 | -27.7 | -17.39 | 79.47 |
Other Investing Activities | -0.13 | 0.02 | 0.65 | -0.1 | -0.23 |
Investing Cash Flow | 15.64 | 94.54 | 49.56 | 5.74 | -175.91 |
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 |
Long-Term Debt Issued | 11.23 | 100 | 201.14 | 0.35 | 1.37 |
Long-Term Debt Repaid | - | -264.19 | -50.94 | -15.8 | - |
Net Debt Issued (Repaid) | 11.23 | -164.19 | 150.2 | -15.45 | 1.37 |
Repurchase of Common Stock | - | -0.38 | -1.18 | - | -0.27 |
Preferred Share Repurchases | - | - | - | - | -0.17 |
Common Dividends Paid | -1.56 | -1.42 | -2.14 | -2.72 | -1.42 |
Total Dividends Paid | -1.56 | -1.42 | -2.14 | -2.72 | -1.42 |
Net Increase (Decrease) in Deposit Accounts | -1.42 | -45.33 | -203.2 | 39.28 | 83.1 |
Financing Cash Flow | 8.25 | -211.32 | -56.33 | 21.11 | 82.61 |
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 | 31.64 | -113.92 | 6.44 | 40.42 | -80.75 |
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 | 7.39 | 2.15 | 11.76 | 13.07 | 12.09 |
Free Cash Flow Growth | 243.29% | -81.70% | -10.01% | 8.17% | 9.25% |
Free Cash Flow Margin | 25.41% | 7.17% | 35.67% | 37.28% | 35.13% |
Free Cash Flow Per Share | 1.31 | 0.38 | 2.09 | 2.31 | 2.15 |
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 | 4.06 | 13.39 | 2.2 | 0.47 | 0.46 |
Cash Income Tax Paid | 0.21 | 0.39 | 1.2 | 1.78 | 1.94 |