Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
67.21
+1.81 (2.77%)
Apr 28, 2026, 4:00 PM EDT - Market closed
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 | 38.78 | 38.94 | 34.68 | 27.5 | 25.29 | Upgrade
|
| Occupancy Expenses | 3.14 | 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 | 8.18 | 8.21 | 6.45 | 4.78 | 4.72 | Upgrade
|
| Other Non-Interest Expense | 12.18 | 12.66 | 9.8 | 8.82 | 8.06 | Upgrade
|
| Total Non-Interest Expense | 64.73 | 65.39 | 55.49 | 44.29 | 41.44 | Upgrade
|
| EBT Excluding Unusual Items | 45.24 | 33.88 | 30.84 | 35.79 | 34.16 | Upgrade
|
| Pretax Income | 45.24 | 33.88 | 21.58 | 35.5 | 35.32 | Upgrade
|
| Income Tax Expense | 8.67 | 6.07 | 3.76 | 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) | -0.04% | 7.28% | 9.28% | -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 | 31.61% | 45.51% | -43.91% | -0.00% | 13.15% | Upgrade
|
| Dividend Per Share | 1.980 | 1.931 | 1.899 | 1.843 | 1.794 | Upgrade
|
| Dividend Growth | 2.54% | 1.69% | 3.06% | 2.71% | 3.88% | Upgrade
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| Effective Tax Rate | 19.16% | 17.90% | 17.45% | 18.13% | 17.55% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.