Citizens Financial Corp.

CIWV

CIWVCitizens Financial Corp. US flag

Other OTC

48.00

USD

-0.50

- -

81.57MMarket Cap

Income Statement (USD)

API Chat

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	8	9	10	10	10	11	11	11	14	16	18	20	22	26	31
+ Sales & Services Revenue	8	9	10	10	10	11	11	11	14	16	18	20	22	26	31
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-3	-3	-3	-2	-3	-3	-1	-1	-9	-10	-10	-11	-13	-14	-16
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	9	10	10	11	13	14	16
+ Selling, General & Admin	3	3	3	4	4	4	4	4	- -	- -	- -	- -	- -	- -	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-3	-3	-3	-4	-4	-4	-4	-4	8	10	9	11	13	14	15
Operating Income (Loss)	3	3	3	2	3	3	1	1	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	- -	- -	- -	- -	- -	- -	-4	-5	-7	-8	-8	-10	-13
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	- -	- -	- -	- -	-4	-5	-7	-8	-8	-10	-13
Pretax Income	3	3	3	2	3	3	1	1	4	5	7	8	8	10	13
- Income Tax Expense (Benefit)	1	1	1	- -	1	1	- -	- -	1	1	2	2	2	2	3
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	2	2	2	2	2	1	1	3	4	6	7	6	8	10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	2	2	2	2	2	1	1	3	4	6	7	6	8	10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	2	2	2	2	2	1	1	3	4	6	7	6	8	10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	2	2	2	2	2	2	1	1	3	4	6	7	6	8	10
EBIT	3	3	3	2	3	3	1	1	- -	- -	- -	- -	- -	- -	- -
EBITDA	3	3	4	3	4	3	2	1	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	38.9	37.71	38.26	28.5	34.52	31.13	14.63	12.81	- -	- -	- -	- -	- -	- -	- -
EBITA	3	3	3	2	3	3	1	1	- -	- -	- -	-1	-1	-1	-1
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	35.03	32.8	31.49	21.34	28.63	27.35	11.51	9.37	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	22.99	21.66	21.15	16.97	19.71	18.76	9.38	8.56	22.95	26.39	33.09	32.65	28.49	29.04	32.91
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.43	0.47	0.5	0.52	0.53	0.57	0.48	0.4	0.63	0.64	0.71	0.84	0.85	0.92	1.06
Depreciation Expense	- -	- -	1	1	1	- -	- -	- -	- -	- -	- -	1	1	1	1
Basic Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Basic EPS, GAAP	0.98	0.99	1.04	0.88	1.1	1.13	0.57	0.5	1.81	2.53	3.4	3.84	3.65	4.42	5.99
Basic EPS from Cont Ops	0.98	0.99	1.04	0.88	1.1	1.13	0.57	0.5	1.81	2.53	3.4	3.84	3.65	4.42	5.99
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted EPS, GAAP	0.98	0.99	1.04	0.88	1.1	1.13	0.57	0.5	1.81	2.53	3.4	3.84	3.65	4.42	5.99
Diluted EPS from Cont Ops	0.98	0.99	1.04	0.88	1.1	1.13	0.57	0.5	1.81	2.53	3.4	3.84	3.65	4.42	5.99

Balance Sheet (USD)

API Chat

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	5	5	6	5	7	6	7	13	23	36	98	29	11	18	45
+ Cash & Cash Equivalents	5	5	6	5	7	6	7	13	23	36	98	29	11	18	45
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	1	1	1	1	1	1	1	1	1	1	2	2	2	3
+ Accounts Receivable, Net	1	1	1	1	1	1	1	1	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	2	2	2	3
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-6	-6	-7	-7	-8	-7	-8	-15	-24	-37	-100	-31	-14	-21	-48
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	- -	- -	- -	- -	- -	- -	- -	6	6	8	6	7	8	8
+ Property, Plant & Equip	- -	- -	- -	- -	- -	- -	- -	- -	11	11	13	11	13	14	14
- Accumulated Depreciation	- -	- -	- -	- -	- -	- -	- -	- -	5	5	5	5	6	6	6
+ LT Investments & Receivables	49	54	60	53	67	60	59	82	5	1	47	36	41	10	11
+ LT Investments	49	54	60	53	67	60	59	82	5	1	47	36	41	10	11
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-49	-54	-60	-53	-67	-60	-59	-82	-11	-7	-55	-42	-48	-18	-19
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	1	1	5	5	5	4	4
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	1	1	3	3	3	3	3
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	2	2	2	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-49	-54	-60	-53	-67	-60	-59	-82	-12	-8	-60	-47	-53	-22	-23
Total Assets	167	182	209	214	238	243	247	283	285	322	495	591	652	667	705
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	14	10	22	23	21	20	20	32	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	14	10	22	23	21	20	20	32	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-14	-10	-22	-23	-21	-20	-20	-32	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-14	-10	-22	-23	-21	-20	-20	-32	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	1	2	3	4	5	4	3	8	7	6	15	16	22	20	17
+ LT Borrowings	1	2	3	4	5	4	3	8	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-1	-2	-3	-4	-5	-4	-3	-8	-7	-6	-15	-16	-22	-20	-17
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-1	-2	-3	-4	-5	-4	-3	-8	-7	-6	-15	-16	-22	-20	-17
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	148	162	189	194	219	223	226	262	256	290	458	555	609	615	643
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	4	4	4	4	4	4	4	4	5	5	5	5	5	5	5
+ Common Stock	2	2	2	2	2	4	4	4	5	5	5	5	5	5	5
+ Additional Paid in Capital	2	2	2	2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Treasury Stock	2	2	3	3	3	4	4	4	4	5	5	5	4	4	4
+ Retained Earnings	17	18	19	20	21	21	21	21	32	35	39	44	49	55	64
+ Other Equity	1	1	1	- -	-1	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	19	21	20	20	20	20	21	21	29	32	36	36	43	51	62
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	19	21	20	20	20	20	21	21	29	32	36	36	43	51	62
Total Liabilities & Equity	167	182	209	214	238	243	247	283	285	322	495	591	652	667	705
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	10	7	20	21	19	17	15	26	-23	-36	-98	-29	-11	-18	-45
Net Debt to Equity	52.44	36.32	95.3	104.74	96.3	85.07	72.64	124.8	-79.95	-113.22	-270.08	-80.26	-25.99	-35.75	-72.8
Tangible Common Equity Ratio	11.4	11.3	9.79	9.46	8.23	8.35	8.55	7.38	9.93	9.76	6.41	5.37	5.97	7.11	8.25
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	2	2	2	2	2	2	1	1	3	4	6	7	6	8	10
+ Depreciation & Amortization	- -	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	- -	- -	- -	1	- -	- -	2	2	2	2	1	1	2	3	3
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	- -	- -	1	- -	- -	2	2	2	2	1	1	2	3	3
+ Chg in Non-Cash Work Cap	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1	- -	-1	-1	- -	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	2	3	3	3	3	3	3	3	5	5	7	7	8	10	13
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1	-2	-1	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1	-2	-1	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	-6	-8	-7	6	-14	7	2	-22	- -	5	-69	-15	6	17	- -
+ Dec in LT Investment	13	12	21	22	12	20	22	30	10	9	3	42	6	25	25
+ Inc in LT Investment	-19	-19	-28	-16	-26	-13	-20	-52	-10	-4	-72	-58	- -	-8	-25
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	91	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	91	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-7	-8	-20	-13	-8	-15	-7	-7	-7	-30	-30	-158	-81	-25	-11
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-13	-15	-27	-7	-23	-8	-5	-29	-9	-25	-9	-172	-78	-8	-12
+ Dividends Paid	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-2	-2
+ Net Cash From Debt	- -	1	2	1	1	-2	-1	5	- -	- -	9	-3	-5	-6	-3
+ Cash From Debt	- -	2	3	3	4	- -	- -	6	- -	- -	10	6	8	- -	- -
+ Repayments of Debt	- -	-1	-1	-2	-3	-2	-1	- -	- -	- -	-1	-9	-14	-6	-3
+ Other Financing Activities	12	12	25	4	23	5	5	28	19	34	57	100	59	13	30
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	11	13	25	4	23	2	3	32	17	33	65	95	52	5	25
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	- -	- -	1	- -	3	-3	1	6	13	13	62	-69	-18	7	27
EBITDA	3	3	4	3	4	3	2	1	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	38.9	37.71	38.26	28.5	34.52	31.13	14.63	12.81	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	2	3	3	3	3	3	3	3	3	5	6	7	6	9	12
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-91	- -	- -	- -	- -
Free Cash Flow to Firm	2	3	3	3	3	3	3	3	3	5	6	7	6	9	12
Free Cash Flow to Equity	2	4	5	4	4	1	2	8	3	5	15	6	1	3	10
Free Cash Flow per Basic Share	1.13	1.34	1.6	1.68	1.68	1.6	1.67	1.72	2.04	3.07	3.74	3.91	3.37	5.43	7.36
Price/Free Cash Flow	3.61	4.22	8.59	8.77	9.92	11.82	3.78	2.38	4.29	4.21	4.36	3.54	3.64	3.54	4.16
Cash Flow to Net Income	1.16	1.35	1.53	1.91	1.53	1.42	2.96	3.43	1.55	1.27	1.18	1.11	1.21	1.38	1.27
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	-1	-2	-1	- -