Citizens Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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 Interest Income	71.83	72.04	69.71	69.25	65.43	61.5
Net Interest Income Growth	3.75%	3.34%	0.66%	5.85%	6.39%	2.16%
Non-Interest Income	49.65	183.58	175.29	171.43	164.1	189.05
Non-Interest Income Growth	12.02%	4.73%	2.25%	4.47%	-13.20%	5.82%
Revenues Before Loan Losses	255.01	255.62	245	240.68	232.52	250.55
Revenue	255.01	255.62	245	240.68	232.52	250.55
Revenue Growth	3.69%	4.33%	1.80%	3.51%	-7.19%	4.89%
Other Non-Interest Expenses	240.82	238.15	230.02	214.51	205.15	220.04
Total Non-Interest Expense	240.82	238.15	230.02	214.51	205.15	220.04
Pretax Income	14.19	17.47	14.98	26.17	27.38	30.51
Provision for Income Taxes	2.59	2.88	0.07	1.74	1.37	-42.2
Net Income	11.6	14.59	14.91	24.44	26.01	72.71
Net Income to Common	11.6	14.59	14.91	24.44	26.01	72.71
Net Income Growth	3.12%	-2.15%	-38.98%	-6.04%	-64.23%	-
Shares Outstanding (Basic)	50	50	50	50	50	50
Shares Outstanding (Diluted)	52	51	51	51	51	51
Shares Change	1.27%	1.40%	-0.32%	0.08%	0.44%	-0.58%
EPS (Basic)	0.23	0.29	0.30	0.49	0.52	1.46
EPS (Diluted)	0.21	0.28	0.29	0.48	0.51	1.44
EPS Growth	-8.70%	-3.45%	-39.58%	-5.88%	-64.58%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	14.97	17.54	31.26	21.61	56.82	39.45
Free Cash Flow Growth	-37.65%	-43.88%	44.60%	-61.96%	44.04%	-19.24%
Free Cash Flow Per Share	0.29	0.34	0.62	0.42	1.12	0.78
Profit Margin	4.55%	5.71%	6.09%	10.15%	11.18%	29.02%
FCF Margin	5.87%	6.86%	12.76%	8.98%	24.44%	15.74%
Effective Tax Rate	18.25%	16.48%	0.45%	6.64%	5.00%	-138.34%

SEC Filings: 10-K · 10-Q