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Banks · Financial Services · Fiscal year ends Dec 31
CITY reported revenue of $74M in the fiscal year ended Dec 2025, up 3.2% from the year before. Net income was $130M. Operating cash flow of $131M less capital expenditure of $3M left free cash flow of $128M. It held more cash than debt (net cash $42M).
Ranks among the 61 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 64.9 | 68.1 | 69.1 | 72.0 | 74.3 |
| Net interest incomeBanks | 156 | 180 | 219 | 220 | 236 |
| Interest expense | 9.9 | 9.7 | 52.0 | 86.2 | 84.8 |
| Pre-tax income | 111 | 127 | 143 | 145 | 161 |
| Income tax | 23.1 | 25.3 | 28.7 | 27.4 | 31.0 |
| Net income | 88.1 | 102 | 114 | 117 | 130 |
| Diluted EPS | 5.66 | 6.80 | 7.61 | 7.89 | 8.93 |
| Diluted shares | 15.4 | 14.9 | 14.9 | 14.7 | 14.5 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 635 | 200 | 156 | 225 | 192 |
| Net PP&E | 74.1 | 70.8 | 72.1 | 70.5 | 69.1 |
| Goodwill | 109 | 109 | 150 | 150 | 150 |
| Total assets | 6,004 | 5,878 | 6,168 | 6,459 | 6,722 |
| Long-term debt | – | 0.0 | 100 | 150 | 150 |
| DepositsBanks | 4,925 | 4,870 | 4,934 | 5,144 | 5,301 |
| Total liabilities | 5,323 | 5,300 | 5,491 | 5,729 | 5,912 |
| Shareholders' equity | 681 | 578 | 677 | 731 | 810 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 102 | 116 | 138 | 132 | 131 |
| Capital expenditure | 3.3 | 2.1 | 3.0 | 2.7 | 2.9 |
| Free cash flow | 99.0 | 114 | 135 | 129 | 128 |
| Depreciation & amortisation | 5.8 | 5.3 | 4.6 | 4.2 | 4.3 |
| Stock-based compensation | 3.1 | 3.3 | 3.2 | 3.5 | 3.4 |
| Share buybacks | 58.7 | 26.4 | 60.1 | 17.9 | 45.8 |
| Dividends paid | 36.1 | 36.7 | 40.0 | 43.5 | 47.3 |
| Dividend per share | 2.34 | 2.50 | 2.73 | 3.01 | 3.32 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 4.9% | 1.4% | 4.2% | 3.2% |
| EPS growth (YoY) | – | 20.1% | 11.9% | 3.7% | 13.2% |
| Net margin | 135.7% | 149.9% | 165.6% | 162.7% | 175.6% |
| Return on equityBlank when equity is negative | 12.9% | 17.7% | 16.9% | 16.0% | 16.1% |
| Free cash flow margin | 152.4% | 166.9% | 194.9% | 179.5% | 172.9% |
| Cash conversion (CFO ÷ net income) | 1.16x | 1.13x | 1.20x | 1.13x | 1.01x |
| Debt ÷ equity | – | 0.00x | 0.15x | 0.21x | 0.19x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | – | −200 | −56.3 | −75.4 | −41.9 |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.