CFG Stock Cash Flow Statements

Citizens Financial Group Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Free Cash Flow

Capital Expenditure

Citizens Financial Group Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31

operating activities
net income	436,000,000	373,000,000	401,000,000	382,000,000	392,000,000	334,000,000	189,000,000	430,000,000	478,000,000	511,000,000	653,000,000	636,000,000	364,000,000	420,000,000	530,000,000	530,000,000	648,000,000	611,000,000	456,000,000	314,000,000	253,000,000	34,000,000
adjustments to reconcile net income to net change due to operating activities:
benefit for credit losses	164,000,000	153,000,000	162,000,000	172,000,000	182,000,000	171,000,000	171,000,000	172,000,000	176,000,000	168,000,000	132,000,000	123,000,000	216,000,000	3,000,000
net change in loans held for sale	35,000,000	-332,000,000							-370,000,000	-81,000,000	329,000,000	184,000,000	322,000,000	898,000,000	462,000,000	301,000,000	944,000,000	-622,000,000
depreciation, amortization, and accretion
deferred income tax expense	-99,000,000	-16,000,000	-127,000,000	-18,000,000			-181,000,000	-21,000,000
share-based compensation	43,000,000	31,000,000	21,000,000	21,000,000	21,000,000	34,000,000	14,000,000	18,000,000	22,000,000	33,000,000	16,000,000	16,000,000	19,000,000	33,000,000	12,000,000	12,000,000	13,000,000	22,000,000	14,000,000	11,000,000	2,000,000	21,000,000
net gain on sale of assets	-5,000,000	-9,000,000	-4,000,000	-9,000,000	0	-5,000,000
net increase in other assets	325,000,000	34,000,000	-247,000,000	-291,000,000	324,000,000	-47,000,000	1,344,000,000	95,000,000	-455,000,000	-372,000,000	-194,000,000	1,645,000,000	-2,129,000,000	-1,216,000,000	674,000,000	-264,000,000
net increase in other liabilities	-137,000,000	-570,000,000	239,000,000	-233,000,000	-110,000,000	-206,000,000	-1,057,000,000	-279,000,000	148,000,000	849,000,000	459,000,000	229,000,000	-1,052,000,000	1,400,000,000	-76,000,000	586,000,000
net change due to operating activities	886,000,000	-213,000,000	483,000,000	130,000,000	834,000,000	554,000,000	670,000,000	1,008,000,000	125,000,000	1,158,000,000	1,441,000,000	3,000,000,000	-1,876,000,000	1,554,000,000	1,105,000,000	1,280,000,000
investing activities
investment securities:
purchases of debt securities available for sale	-1,760,000,000	-2,365,000,000	-3,258,000,000	-2,010,000,000	-1,430,000,000	-3,057,000,000	-4,511,000,000	-2,370,000,000	-1,983,000,000	-1,223,000,000	-1,004,000,000	-1,134,000,000	-5,982,000,000	-2,656,000,000	-3,737,000,000	-2,256,000,000	-2,157,000,000	-4,256,000,000
proceeds from maturities and paydowns of debt securities available for sale	963,000,000	846,000,000	1,192,000,000	794,000,000	725,000,000	593,000,000	520,000,000	552,000,000	506,000,000	423,000,000	579,000,000	679,000,000	961,000,000	1,203,000,000	1,751,000,000	1,738,000,000	2,040,000,000	2,281,000,000	2,360,000,000	2,062,000,000	1,511,000,000	1,010,000,000
proceeds from sales of debt securities available for sale	475,000,000	642,000,000	1,539,000,000	1,377,000,000	11,000,000	692,000,000	512,000,000	797,000,000	237,000,000	1,395,000,000	121,000,000	0	353,000,000	704,000,000	632,000,000	54,000,000	50,000,000	54,000,000	537,000,000
proceeds from maturities and paydowns of debt securities held to maturity	198,000,000	150,000,000	161,000,000	177,000,000	174,000,000	150,000,000	164,000,000	228,000,000	187,000,000	182,000,000	263,000,000	270,000,000	312,000,000	190,000,000	254,000,000	222,000,000	289,000,000	241,000,000	268,000,000	280,000,000	218,000,000	131,000,000
net increase in interest-bearing deposits in banks	5,000,000	-50,000,000	13,000,000	-89,000,000	-167,000,000	13,000,000	-81,000,000	-40,000,000	36,000,000	-17,000,000	-42,000,000	208,000,000	216,000,000	-369,000,000	-27,000,000	112,000,000	-93,000,000	-2,000,000
purchases of loans	-315,000,000	-188,000,000	-138,000,000	-77,000,000	-95,000,000	-345,000,000					0	-28,000,000	-261,000,000	-718,000,000
sales of loans	671,000,000	240,000,000	21,000,000	61,000,000	18,000,000	107,000,000	165,000,000	293,000,000	2,020,000,000	315,000,000	959,000,000	1,301,000,000	112,000,000	305,000,000
net increase in loans and leases	-1,502,000,000	-319,000,000	2,190,000,000	29,000,000	958,000,000	2,873,000,000	3,384,000,000	1,131,000,000	1,963,000,000	696,000,000	-990,000,000	-322,000,000	-4,419,000,000	-2,196,000,000	-2,793,000,000	-881,000,000
capital expenditures	-33,000,000	-14,000,000	-48,000,000	-34,000,000	-30,000,000	-10,000,000	-48,000,000	-33,000,000	-39,000,000	-52,000,000	15,000,000	-85,000,000	-5,000,000	-51,000,000	-65,000,000	-27,000,000	-22,000,000	-10,000,000	-119,000,000
free cash flows																		-700,000,000
other	-130,000,000	-50,000,000	-64,000,000	-67,000,000	15,000,000	23,000,000	120,000,000	-176,000,000	222,000,000	-227,000,000	-39,000,000	-5,000,000	-644,000,000	-83,000,000	-119,000,000	-82,000,000	-68,000,000	-47,000,000
net change due to investing activities	-1,428,000,000	-1,108,000,000	1,608,000,000	161,000,000	179,000,000	1,039,000,000	225,000,000	382,000,000	3,149,000,000	1,492,000,000	-158,000,000	883,000,000	-9,448,000,000	-3,914,000,000	-7,499,000,000	-1,284,000,000
financing activities
net increase in deposits	-2,490,000,000	2,800,000,000	-412,000,000	-1,164,000,000	-76,000,000	-914,000,000	-855,000,000	530,000,000	5,473,000,000	-8,530,000,000	2,158,000,000	-359,000,000	-68,000,000	4,415,000,000	2,140,000,000	1,585,000,000	-713,000,000	4,185,000,000		-697,000,000	10,143,000,000	8,162,000,000
net increase in short-term borrowed funds	202,000,000	47,000,000	-15,000,000	13,000,000	-7,000,000	-496,000,000	273,000,000	-867,000,000	81,000,000	1,015,000,000	-269,000,000	-3,500,000,000	3,726,000,000	-52,000,000	86,000,000	-57,000,000	-7,000,000	-176,000,000				780,000,000
proceeds from issuance of long-term borrowed funds	3,500,000,000	2,533,000,000	0	2,332,000,000	5,088,000,000	5,765,000,000	4,750,000,000	9,016,000,000	6,507,000,000	5,710,000,000	13,101,000,000	6,299,000,000								14,000,000	1,509,000,000	6,800,000,000
repayments of long-term borrowed funds	-3,251,000,000	-2,675,000,000	-1,545,000,000	-1,485,000,000	-5,819,000,000	-5,437,000,000	-8,652,000,000	-5,762,000,000	-11,252,000,000	-2,752,000,000	-13,501,000,000	-4,434,000,000	-752,000,000	-1,004,000,000	4,000,000	1,000,000	-1,353,000,000	-4,000,000
treasury stock purchased	-200,000,000	-200,000,000	-225,000,000	-325,000,000	-200,000,000	-300,000,000	0				-151,000,000	0			-200,000,000	0	0	-95,000,000
net proceeds from issuance of preferred stock			1,000,000	0											0	0				0
dividends paid to common stockholders	-185,000,000	-186,000,000	-188,000,000	-190,000,000	-194,000,000	-197,000,000	-199,000,000	-199,000,000	-205,000,000	-205,000,000						-167,000,000	-168,000,000	-167,000,000
dividends paid to preferred stockholders	-33,000,000	-34,000,000	-38,000,000	-35,000,000	-30,000,000	-31,000,000	-31,000,000	-32,000,000	-24,000,000	-33,000,000						-33,000,000	-23,000,000	-32,000,000
net change due to financing activities	-2,451,000,000	2,261,000,000	-2,405,000,000	-1,147,000,000	-841,000,000	-1,622,000,000	-4,667,000,000	2,443,000,000	319,000,000	-5,223,000,000	1,104,000,000	-2,237,000,000	7,902,000,000	3,138,000,000	1,836,000,000	1,079,000,000
net change in cash and cash equivalents	-2,993,000,000	940,000,000	-314,000,000	-856,000,000	172,000,000	-29,000,000	-3,772,000,000	3,833,000,000	3,593,000,000	-2,573,000,000	2,387,000,000	1,646,000,000	-3,422,000,000	778,000,000	-4,558,000,000	1,075,000,000
cash and cash equivalents at beginning of period	0	10,601,000,000	0	0	0	11,628,000,000	0	0	0	10,547,000,000	0	0	0	9,158,000,000	0	0	0	12,733,000,000		0	0	3,386,000,000
cash and cash equivalents at end of period	-2,993,000,000	11,541,000,000	-314,000,000	-856,000,000	172,000,000	11,599,000,000	-3,772,000,000	3,833,000,000	3,593,000,000	7,974,000,000	2,387,000,000	1,646,000,000	-3,422,000,000	9,936,000,000	-4,558,000,000	1,075,000,000	-2,019,000,000	14,660,000,000		1,770,000,000	3,388,000,000	4,058,000,000
non-cash items:
transfer of loans from loans held for investment to lhfs	42,000,000	1,876,000,000
loans securitized and transferred to afs securities				48,000,000
depreciation, amortization and accretion		123,000,000	124,000,000	129,000,000	143,000,000	102,000,000	126,000,000	122,000,000	112,000,000	118,000,000	117,000,000	121,000,000	260,000,000	67,000,000	172,000,000	136,000,000	165,000,000	152,000,000	154,000,000	103,000,000	109,000,000	201,000,000
acquisitions, net of cash acquired											-20,000,000	-1,000,000	-91,000,000	-143,000,000	-151,000,000
purchases of bank-owned life insurance
redemption of preferred stock			0												0
net change in loans held for sale, at fair value				-23,000,000	-86,000,000	171,000,000	73,000,000
transfer of loans from loans held for investment to loans held for sale				34,000,000	108,000,000	107,000,000
adjustments to reconcile net income to net change in cash due to operating activities:
premium paid to exchange debt
net gain on sales of assets								-5,000,000	-9,000,000	-5,000,000		0	-1,000,000	-4,000,000
purchase of bank-owned life insurance												0	0	-100,000,000		-150,000,000	-125,000,000	-375,000,000
payments of employee tax withholding for share-based compensation								0	-2,000,000	-24,000,000	-1,000,000	0	-1,000,000	-23,000,000	-1,000,000	0	0	-21,000,000
transfer of loans from portfolio to lhfs								181,000,000
transfer of securities from available for sale to held to maturity												753,000,000
investors acquisition:
fair value of assets acquired, excluding cash and cash equivalents												-69,000,000
goodwill and other intangible assets												78,000,000
fair value of liabilities assumed												9,000,000
common stock issued												0
replacement equity awards												0
treasury stock purchased, including excise tax									-259,000,000	-404,000,000
deferred income taxes										-63,000,000	-67,000,000	46,000,000	125,000,000	-47,000,000	-643,000,000	15,000,000	119,000,000	80,000,000
dividends declared and paid to common stockholders											-210,000,000	-209,000,000	-195,000,000	-165,000,000
dividends declared and paid to preferred stockholders											-23,000,000	-34,000,000	-23,000,000	-33,000,000
benefit from credit losses															-25,000,000	-33,000,000	-213,000,000	-140,000,000	124,000,000	428,000,000	464,000,000	600,000,000
supplemental disclosures:
interest paid
income taxes paid
transfer of securities from held to maturity to available for sale
loans securitized and transferred to securities available for sale
loans securitized and transferred to securities held to maturity
stock issued for share-based compensation plans
stock issued for employee stock purchase plan
net gain on sales of:
debt securities																-3,000,000
premises and equipment																0
premium paid to exchange subordinated debt																0	0	-1,000,000
adjustments to reconcile net income to net cash from operating activities:
net gain on sale of debt securities																		-3,000,000
increase in other assets																		-773,000,000
decrease in other liabilities																		-17,000,000
net cash from operating activities																		-690,000,000
net decrease (increase) in loans and leases																		1,042,000,000
net cash from investing activities																		-1,072,000,000
net cash from financing activities																		3,689,000,000		-988,000,000	2,305,000,000	10,767,000,000
increase in cash and cash equivalents																		1,927,000,000		1,770,000,000	3,388,000,000	672,000,000
amortization of intangibles																			5,000,000	0	3,000,000	3,000,000
increase in other liabilities																			432,000,000	270,000,000
net decrease in equity securities, at fair value
net decrease in equity securities, at cost																				2,000,000
net decrease in short-term borrowed funds
net increase in equity securities, at fair value
net increase in equity securities, at cost
net decrease (increase) in interest-bearing deposits in banks																						17,000,000
originations of mortgage loans held for sale
proceeds from sales of mortgage loans held for sale
purchases of commercial loans held for sale
proceeds from sales of commercial loans held for sale
mortgage servicing rights valuation charge-off
debt securities impairment
equity securities
other loans held for sale
purchases of securities available for sale
purchases of debt securities held to maturity
purchases of equity securities, at fair value
proceeds from sales of equity securities, at fair value
purchases of equity securities, at cost
proceeds from sales of equity securities, at cost
purchases of mortgage servicing rights
net increase in bank-owned life insurance
premises and equipment:
purchases
proceeds from sales
capitalization of software
net decrease in federal funds purchased and securities sold under agreements to repurchase
net increase in other short-term borrowed funds

We provide you with 20 years of cash flow statements for Citizens Financial Group stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of Citizens Financial Group stock. Explore the full financial landscape of Citizens Financial Group stock with our expertly curated income statements.

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