Citizen Financial Services Cash Flow - Annual (OTCBB:CZFS)

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$51.5 $2 (4.04%) CZFS stock closing price Oct 25, 2016 (Closing)

For analyzing any company like Citizen Financial Services from an investment perspective, its important to check the cash flow statement. Financials statements like the income statement and balance sheet show that the company has Citizen Financial Services profits and Citizen Financial Services debt, while the cash flow statement provides details of cash flow movments. Citizen Financial Services had cash and cash equivalents of $11.42M at beginning of year and $24.38M at year end for 2015. Citizen Financial Services cash flow analysis tells whether or not the company has enough cash for its day to day activities, and for investing for future growth. CZFS increase in investments stood at a positive value of $19.06M for the latest 2015. View details of Citizen Financial Services cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Citizen Financial Services Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow2.52M2.6M2.85M2.78M2.4M1.28M1.14M0.65M0.86M1.26M
Net Increase (Decrease) in Assets Liabilities-1.05M-0.78M1.52M-2.71M-0.39M-0.21M-3.73M-0.71M-0.15M0.13M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net-0.28M0.96M0.05M0.53M0.73M0.24M2.65M3.51M0.62M-0.18M
Citizen Financial Services Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-0.77M-1.3M-0.32M-0.43M-0.09M-1.29M-0.15M-0.92M-0.46M-1.33M
Acquisition Disposition of Subsidiaires77.89M---------
Increase (Decrease) in Investments-32.14M16.37M-19.79M6.76M-61.86M-54.98M-23.2M-53.58M-19.29M-40.83M
Other Cash Inflow (Outflow) from Investment Activities-25.91M-23.28M-40.81M-14.49M-14.17M-17.47M-23.52M-14.85M1.07M0.4M
Citizen Financial Services Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares-2.46M-0.98M-1.59M-1.49M-1.01M-0.39M-0.28M-0.22M-0.54M-1.22M
Issuance (Repayment) of Debt Securities4.59M2.62M-20.78M-5.59M-3.98M-0.15M-6.49M13.82M15.78M-0.29M
Increase (Decrease) in Bank & Other Borrowings-4.75M-27.75M41.58M-2.16M1.86M2.03M-0.59M-32.96M-11.2M23.39M
Payment of Dividends & Other Cash Distributions-5.15M-6.12M-3.55M-4.6M-3.14M-3.16M-2.95M-2.81M-2.55M-2.44M
Other Cash from (used by) Financing Activities
Citizen Financial Services Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash----------
Citizen Financial Services Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year11.42M10.08M26.33M30.43M43.99M31.44M19.85M10.38M10.01M8.6M
Cash & Equivalents at Year End24.38M11.42M10.08M26.33M30.43M43.99M31.44M19.85M10.38M10.01M
All figures in USD. M: Millions of USD, B: Billions of USD.

While Citizen Financial Services stock price history provides the price history of a stock, Citizen Financial Services stock comparison chart shows the same in comparison to peers, and cash flow statements provide cash position of the company. Common terms used in the statement of cash flows are:
  • Citizen Financial Services has cash of $24.38M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the Citizen Financial Services stock price.
  • Cash Flow from operating activities: Citizen Financial Services reported a positive operating cash flow of $12.81M for 2015 and has seen a decrease from the previous year. Operating cash flow or working capital comes from main business activities. Investors look for positive cash flow from recurring operating activities.
  • Growth companies (typically most tech companies) spend heavily  on investing activities and this figure was positive at $19.06M for CZFS stock. Sometimes a company might have a negative overall cash flow which may not be really bad if it is due to investment expenses. Hence it is important to check the cash flow from investment activities.
  • Cash Flow from financing activities: The cash inflow/outflow from financing activities was $-18.91M for Citizen Financial Services. The money accounted for under this head comes from external sources which includes lenders, investors and shareholders. Positive cash flow is generated when the company gets cash because of issuance of stocks or bonds. Similarly negative cash flow is generated when shares are repurchased, dividend payments are made, and loans or interest on loans are paid back.

Key Financial Ratios For Citizen Financial Services Cash Flow

FCF margin