Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
60.74
-0.76 (-1.24%)
At close: Mar 9, 2026, 4:00 PM EDT
61.20
+0.46 (0.76%)
After-hours: Mar 9, 2026, 4:00 PM EDT
CZFS Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 144.43 | 142.69 | 116.08 | 74.27 | 66.37 | Upgrade
|
| Interest Income on Investments | 14.74 | 11.63 | 11.04 | 9.09 | 6.85 | Upgrade
|
| Total Interest Income | 159.17 | 154.32 | 127.12 | 83.36 | 73.22 | Upgrade
|
| Interest Paid on Deposits | 47.05 | 52.33 | 31.7 | 7.32 | 5.84 | Upgrade
|
| Interest Paid on Borrowings | 14.12 | 15.54 | 15.16 | 3.91 | 1.27 | Upgrade
|
| Total Interest Expense | 61.17 | 67.86 | 46.86 | 11.22 | 7.11 | Upgrade
|
| Net Interest Income | 98 | 86.46 | 80.26 | 72.13 | 66.11 | Upgrade
|
| Net Interest Income Growth (YoY) | 13.36% | 7.72% | 11.27% | 9.11% | 6.30% | Upgrade
|
| Trust Income | 0.79 | 0.82 | 0.76 | 0.8 | 0.87 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 1.1 | - | - | - | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.07 | 0.15 | -0.2 | -0.37 | 0.44 | Upgrade
|
| Other Non-Interest Income | 11.2 | 11.02 | 9.58 | 8.94 | 8.45 | Upgrade
|
| Total Non-Interest Income | 14.34 | 15.4 | 11.61 | 9.63 | 11.04 | Upgrade
|
| Non-Interest Income Growth (YoY) | -6.86% | 32.71% | 20.51% | -12.79% | -2.40% | Upgrade
|
| Revenues Before Loan Losses | 112.35 | 101.86 | 91.87 | 81.76 | 77.15 | Upgrade
|
| Provision for Loan Losses | 2.38 | 2.59 | 5.53 | 1.68 | 1.55 | Upgrade
|
| Revenue | 109.97 | 99.27 | 86.34 | 80.08 | 75.6 | Upgrade
|
| Revenue Growth (YoY) | 10.78% | 14.98% | 7.81% | 5.92% | 6.33% | Upgrade
|
| Salaries and Employee Benefits | 39.4 | 38.94 | 34.68 | 27.5 | 25.29 | Upgrade
|
| Occupancy Expenses | - | 2.81 | 2.55 | 2.35 | 2.23 | Upgrade
|
| Federal Deposit Insurance | 1.71 | 2 | 1.48 | 0.68 | 0.52 | Upgrade
|
| Amortization of Goodwill & Intangibles | 0.48 | 0.56 | 0.37 | 0.16 | 0.19 | Upgrade
|
| Selling, General & Administrative | 10.69 | 8.21 | 6.45 | 4.78 | 4.72 | Upgrade
|
| Other Non-Interest Expense | 12.33 | 12.86 | 9.86 | 8.82 | 8.06 | Upgrade
|
| Total Non-Interest Expense | 64.88 | 65.59 | 55.55 | 44.29 | 41.44 | Upgrade
|
| EBT Excluding Unusual Items | 45.09 | 33.68 | 30.78 | 35.79 | 34.16 | Upgrade
|
| Pretax Income | 45.09 | 33.68 | 21.52 | 35.5 | 35.32 | Upgrade
|
| Income Tax Expense | 8.52 | 5.87 | 3.7 | 6.44 | 6.2 | Upgrade
|
| Net Income | 36.57 | 27.82 | 17.81 | 29.06 | 29.12 | Upgrade
|
| Net Income to Common | 36.57 | 27.82 | 17.81 | 29.06 | 29.12 | Upgrade
|
| Net Income Growth | 31.47% | 56.18% | -38.71% | -0.20% | 15.99% | Upgrade
|
| Basic Shares Outstanding | 5 | 5 | 4 | 4 | 4 | Upgrade
|
| Diluted Shares Outstanding | 5 | 5 | 4 | 4 | 4 | Upgrade
|
| Shares Change (YoY) | -0.05% | 7.36% | 9.21% | -0.20% | 2.54% | Upgrade
|
| EPS (Basic) | 7.62 | 5.80 | 3.98 | 7.09 | 7.09 | Upgrade
|
| EPS (Diluted) | 7.62 | 5.79 | 3.98 | 7.09 | 7.09 | Upgrade
|
| EPS Growth | 31.56% | 45.52% | -43.90% | -0.00% | 13.15% | Upgrade
|
| Dividend Per Share | 1.990 | 1.931 | 1.901 | 1.843 | 1.794 | Upgrade
|
| Dividend Growth | 3.07% | 1.56% | 3.17% | 2.71% | 3.88% | Upgrade
|
| Effective Tax Rate | 18.89% | 17.41% | 17.22% | 18.13% | 17.55% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.