Citizens Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	70.97	69.71	69.25	65.43	61.5	60.2
Net Interest Income Growth	1.43%	0.66%	5.85%	6.39%	2.16%	1.12%
Non-Interest Income	176.04	175.29	171.43	164.1	189.05	178.66
Non-Interest Income Growth	-1.32%	2.25%	4.47%	-13.20%	5.82%	-6.47%
Revenues Before Loan Losses	247.02	245	240.68	232.52	250.55	238.86
Revenue	247.02	245	240.68	232.52	250.55	238.86
Revenue Growth (YoY)	-0.55%	1.80%	3.51%	-7.19%	4.89%	-4.67%
Other Non-Interest Expenses	233.7	230.02	214.51	205.15	220.04	251.17
Total Non-Interest Expense	233.7	230.02	214.51	205.15	220.04	251.17
Pretax Income	13.32	14.98	26.17	27.38	30.51	-12.32
Provision for Income Taxes	2.45	0.07	1.74	1.37	-42.2	-1.33
Net Income	10.87	14.91	24.44	26.01	72.71	-10.99
Net Income to Common	10.87	14.91	24.44	26.01	72.71	-10.99
Net Income Growth	-50.64%	-38.98%	-6.04%	-64.23%	-	-
Shares Outstanding (Basic)	52	50	50	50	50	50
Shares Outstanding (Diluted)	52	51	51	51	51	51
Shares Change (YoY)	1.06%	1.00%	0.08%	0.44%	-0.58%	1.17%
EPS (Basic)	0.21	0.30	0.49	0.52	1.46	-0.22
EPS (Diluted)	0.21	0.29	0.48	0.51	1.44	-0.22
EPS Growth	-51.16%	-39.58%	-5.88%	-64.58%	-	-
Free Cash Flow	19.27	31.26	21.61	56.82	39.45	48.85
Free Cash Flow Growth	-38.34%	44.60%	-61.96%	44.04%	-19.24%	-32.38%
Free Cash Flow Per Share	0.39	0.63	0.43	1.12	0.78	0.96
Profit Margin	4.40%	6.09%	10.15%	11.18%	29.02%	-4.60%
FCF Margin	7.80%	12.76%	8.98%	24.44%	15.74%	20.45%
EBITDA	5.97	6.33	6.06	5.4	7.47	11.3
EBITDA Margin	2.42%	2.58%	2.52%	2.32%	2.98%	4.73%
Effective Tax Rate	18.38%	0.45%	6.64%	5.00%	-138.34%	10.79%

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

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