Citizens Financial reported cash from operations of 0.73B and free cash flow of 0.67B for the quarter ended Jun 2026, down 18.1% year over year. This cash flow statement covers 52 quarters of results from Sep 2013 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Cash Flow Statement | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Income (Quarter)Net Income (Qtr) | 0.53B | 0.53B | 0.42B | 0.36B | 0.64B | 0.65B | 0.51B | 0.48B | 0.43B | 0.19B | 0.33B | 0.39B | 0.38B | 0.40B | 0.37B | 0.44B | 0.49B | 0.53B | 0.52B | 0.59B | ||||||||||||||||||||||||||||||||
| Share-based Compensation (Quarter)Share-based Compensation (Qtr) | 0.01B | 0.01B | 0.03B | 0.02B | -0.03B | 0.06B | 0.03B | 0.02B | 0.02B | 0.01B | 0.03B | 0.02B | 0.02B | 0.02B | 0.03B | 0.04B | 0.02B | 0.02B | 0.03B | 0.05B | ||||||||||||||||||||||||||||||||
| Deferred Taxes (Quarter)Deferred Taxes (Qtr) | 0.01B | -0.64B | -0.05B | 0.12B | 0.05B | -0.07B | -0.06B | 0.02B | -0.02B | -0.18B | -0.03B | -0.02B | -0.13B | -0.02B | -0.10B | 0.02B | 0.01B | 0.05B | -0.06B | |||||||||||||||||||||||||||||||||
| Gains from Investment Securities (Quarter)Gains from Investment Securities (Qtr) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Asset Writedowns and Impairment (Quarter)Asset Writedowns and Impairment (Qtr) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Change in Loans (Quarter)Change in Loans (Qtr) | -0.30B | -0.46B | -0.90B | -0.32B | -0.18B | -0.33B | 0.08B | 0.37B | -0.48B | -0.07B | -0.17B | 0.09B | 0.02B | 0.09B | 0.33B | -0.04B | -0.22B | 0.33B | 0.28B | -0.04B | ||||||||||||||||||||||||||||||||
| Cash from Operations (Quarter)Cash from Operations (Qtr) | 1.28B | 1.10B | 1.55B | -1.88B | 3.00B | 1.44B | 1.15B | 0.12B | 1.01B | 0.67B | 0.55B | 0.83B | 0.13B | 0.48B | -0.21B | 0.89B | 1.70B | -0.16B | 0.24B | 0.73B | ||||||||||||||||||||||||||||||||
| Depreciation, Depletion & Amortization | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Amortizatization of Intangibles (Quarter)Amortizatization of Intangibles (Qtr) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Change in Working Capital | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Change in Accured Expenses (Quarter)Change in Accured Expenses (Qtr) | 0.59B | -0.08B | 1.40B | -1.05B | 0.23B | 0.46B | 0.84B | 0.14B | -0.27B | -1.06B | -0.21B | -0.11B | -0.23B | 0.24B | -0.57B | -0.14B | 0.67B | -0.36B | -0.07B | 0.13B | ||||||||||||||||||||||||||||||||
| Investing Activities | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Change in Net Loans (Quarter)Change in Net Loans (Qtr) | 0.16B | 3.95B | 2.20B | 4.42B | 0.32B | 0.99B | -0.70B | -1.96B | -1.13B | -3.38B | -2.87B | -0.96B | -0.03B | -2.19B | 0.32B | 1.50B | 1.65B | 1.96B | 1.14B | 4.38B | ||||||||||||||||||||||||||||||||
| Capital Expenditures (Quarter)Capital Expenditures (Qtr) | 0.03B | 3.72B | 0.05B | 0.01B | 0.95B | 0.09B | 0.03B | -0.12B | 0.01B | 0.43B | -0.37B | 0.58B | 0.19B | -0.14B | 0.04B | 0.09B | 0.05B | 0.05B | ||||||||||||||||||||||||||||||||||
| Sales of Property, Plant and Equipment (Quarter)Sales of Property, Plant and Equipment (Qtr) | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Acquisitions (Quarter)Acquisitions (Qtr) | 0.01B | 0.15B | 0.14B | 0.09B | 0.00B | 0.02B | ||||||||||||||||||||||||||||||||||||||||||||||
| Change in Acquisitions & Divestments (Quarter)Change in Acquisitions & Divestments (Qtr) | -0.09B | 0.99B | 1.20B | -0.15B | 0.12B | -0.02B | 0.04B | 2.41B | -0.43B | 0.15B | 0.55B | -0.95B | 0.91B | 0.64B | -0.69B | 2.81B | 1.25B | 0.55B | 1.28B | |||||||||||||||||||||||||||||||||
| Cash from Investing Activities (Quarter)Cash from Investing Activities (Qtr) | -1.28B | -7.50B | -3.91B | -9.45B | 0.88B | -0.16B | 1.49B | 3.15B | 0.38B | 0.23B | 1.04B | 0.18B | 0.16B | 1.61B | -1.11B | -1.43B | -1.50B | -1.93B | -1.80B | -5.46B | ||||||||||||||||||||||||||||||||
| Financing Activities | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Other financing activities (Quarter)Other financing activities (Qtr) | 1.58B | -4.76B | 4.42B | -0.07B | -0.36B | 2.16B | -8.53B | 5.47B | 3.03B | -3.36B | -0.91B | 0.91B | 0.01B | -2.57B | -0.02B | 0.33B | -0.32B | 0.41B | -0.04B | 1.58B | ||||||||||||||||||||||||||||||||
| Debt Issuance and Repayment | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Long-Term Debt Issuances (Quarter)Long-Term Debt Issuances (Qtr) | 5.22B | 6.30B | 13.10B | 5.71B | 6.51B | 9.02B | 4.75B | 5.76B | 5.09B | 2.33B | 2.53B | 3.50B | 0.50B | 2.00B | 3.65B | 7.00B | ||||||||||||||||||||||||||||||||||||
| Long-Term Debt Repayments (Quarter)Long-Term Debt Repayments (Qtr) | -0.00B | -0.00B | 1.00B | 0.75B | 4.43B | 13.50B | 2.75B | 11.25B | 5.76B | 8.65B | 5.44B | 5.82B | 1.49B | 1.54B | 2.67B | 3.25B | 2.59B | 1.22B | 2.62B | 4.08B | ||||||||||||||||||||||||||||||||
| Short-Term Debt issuances (Quarter)Short-Term Debt issuances (Qtr) | -0.06B | 0.09B | -0.05B | 3.73B | -3.50B | -0.27B | 1.01B | 0.08B | -0.87B | 0.27B | -0.50B | -0.01B | 0.01B | -0.01B | 0.05B | 0.20B | -0.04B | -0.16B | -0.00B | 1.10B | ||||||||||||||||||||||||||||||||
| Dividend Payments | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividends Paid - Common (Quarter)Dividends Paid - Common (Qtr) | 0.17B | 0.17B | 0.17B | 0.20B | 0.21B | 0.21B | 0.20B | 0.20B | 0.20B | 0.20B | 0.20B | 0.19B | 0.19B | 0.19B | 0.19B | 0.18B | 0.18B | 0.20B | 0.20B | 0.20B | ||||||||||||||||||||||||||||||||
| Misc. | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash from Financing Activities (Quarter)Cash from Financing Activities (Qtr) | 1.08B | 1.84B | 3.14B | 7.90B | -2.24B | 1.10B | -5.22B | 0.32B | 2.44B | -4.67B | -1.62B | -0.84B | -1.15B | -2.40B | 2.26B | -2.45B | 2.90B | 3.17B | 1.17B | 5.17B | ||||||||||||||||||||||||||||||||
| Change in Cash (Quarter)Change in Cash (Qtr) | 1.07B | -4.56B | 0.78B | -3.42B | 1.65B | 2.39B | -2.57B | 3.59B | 3.83B | -3.77B | -0.03B | 0.17B | -0.86B | -0.31B | 0.94B | -2.99B | 3.10B | 1.08B | -0.40B | 0.43B | ||||||||||||||||||||||||||||||||
| Free Cash Flow (Quarter)Free Cash Flow (Qtr) | 1.25B | -2.61B | 1.50B | -1.88B | 2.05B | 1.44B | 1.15B | 0.03B | 0.98B | 0.79B | 0.54B | 0.40B | 0.50B | -0.10B | -0.40B | 1.03B | 1.66B | -0.25B | 0.19B | 0.67B | ||||||||||||||||||||||||||||||||
| Net Cash Flow (Quarter)Net Cash Flow (Qtr) | 1.07B | -4.56B | 0.78B | -3.42B | 1.65B | 2.39B | -2.57B | 3.59B | 3.83B | -3.77B | -0.03B | 0.17B | -0.86B | -0.31B | 0.94B | -2.99B | 3.10B | 1.08B | -0.40B | 0.43B |