Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
57.10
-0.02 (-0.04%)
At close: Dec 5, 2025, 4:00 PM EST
56.75
-0.35 (-0.61%)
After-hours: Dec 5, 2025, 5:01 PM EST
CZFS Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Interest Income on Loans | 143.83 | 142.69 | 116.08 | 74.27 | 66.37 | 63.54 | Upgrade
|
| Interest Income on Investments | 13.98 | 11.63 | 11.04 | 9.09 | 6.85 | 6.76 | Upgrade
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| Total Interest Income | 157.81 | 154.32 | 127.12 | 83.36 | 73.22 | 70.3 | Upgrade
|
| Interest Paid on Deposits | 49.12 | 52.33 | 31.7 | 7.32 | 5.84 | 6.85 | Upgrade
|
| Interest Paid on Borrowings | 14.03 | 15.54 | 15.16 | 3.91 | 1.27 | 1.25 | Upgrade
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| Total Interest Expense | 63.15 | 67.86 | 46.86 | 11.22 | 7.11 | 8.11 | Upgrade
|
| Net Interest Income | 94.66 | 86.46 | 80.26 | 72.13 | 66.11 | 62.19 | Upgrade
|
| Net Interest Income Growth (YoY) | 10.80% | 7.72% | 11.27% | 9.11% | 6.30% | 24.53% | Upgrade
|
| Trust Income | 0.78 | 0.82 | 0.76 | 0.8 | 0.87 | 0.8 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 1.1 | - | - | - | - | Upgrade
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| Gain (Loss) on Sale of Investments | 0.07 | 0.15 | -0.2 | -0.37 | 0.44 | 0.16 | Upgrade
|
| Other Non-Interest Income | 11.37 | 11.02 | 9.58 | 8.94 | 8.45 | 8.19 | Upgrade
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| Total Non-Interest Income | 14.61 | 15.4 | 11.61 | 9.63 | 11.04 | 11.31 | Upgrade
|
| Non-Interest Income Growth (YoY) | -4.03% | 32.71% | 20.51% | -12.79% | -2.40% | 36.68% | Upgrade
|
| Revenues Before Loan Losses | 109.27 | 101.86 | 91.87 | 81.76 | 77.15 | 73.51 | Upgrade
|
| Provision for Loan Losses | 1.88 | 2.59 | 5.53 | 1.68 | 1.55 | 2.4 | Upgrade
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| Revenue | 107.4 | 99.27 | 86.34 | 80.08 | 75.6 | 71.11 | Upgrade
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| Revenue Growth (YoY) | 9.73% | 14.98% | 7.81% | 5.92% | 6.33% | 25.75% | Upgrade
|
| Salaries and Employee Benefits | 39.41 | 38.94 | 34.68 | 27.5 | 25.29 | 23.72 | Upgrade
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| Occupancy Expenses | 2.81 | 2.81 | 2.55 | 2.35 | 2.23 | 1.94 | Upgrade
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| Federal Deposit Insurance | 1.75 | 2 | 1.48 | 0.68 | 0.52 | 0.48 | Upgrade
|
| Amortization of Goodwill & Intangibles | 0.5 | 0.56 | 0.37 | 0.16 | 0.19 | 0.22 | Upgrade
|
| Selling, General & Administrative | 7.76 | 8.21 | 6.45 | 4.78 | 4.72 | 4.52 | Upgrade
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| Other Non-Interest Expense | 12.98 | 12.86 | 9.86 | 8.82 | 8.06 | 7.24 | Upgrade
|
| Total Non-Interest Expense | 65.38 | 65.59 | 55.55 | 44.29 | 41.44 | 38.56 | Upgrade
|
| EBT Excluding Unusual Items | 42.02 | 33.68 | 30.78 | 35.79 | 34.16 | 32.55 | Upgrade
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| Pretax Income | 41.7 | 33.68 | 21.52 | 35.5 | 35.32 | 30.37 | Upgrade
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| Income Tax Expense | 7.62 | 5.87 | 3.7 | 6.44 | 6.2 | 5.26 | Upgrade
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| Net Income | 34.07 | 27.82 | 17.81 | 29.06 | 29.12 | 25.1 | Upgrade
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| Net Income to Common | 34.07 | 27.82 | 17.81 | 29.06 | 29.12 | 25.1 | Upgrade
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| Net Income Growth | 24.46% | 56.18% | -38.71% | -0.20% | 15.99% | 28.80% | Upgrade
|
| Basic Shares Outstanding | 5 | 5 | 4 | 4 | 4 | 4 | Upgrade
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| Diluted Shares Outstanding | 5 | 5 | 4 | 4 | 4 | 4 | Upgrade
|
| Shares Change (YoY) | 0.02% | 7.36% | 9.21% | -0.20% | 2.54% | 6.85% | Upgrade
|
| EPS (Basic) | 7.10 | 5.80 | 3.98 | 7.09 | 7.09 | 6.27 | Upgrade
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| EPS (Diluted) | 7.10 | 5.79 | 3.98 | 7.09 | 7.09 | 6.27 | Upgrade
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| EPS Growth | 24.64% | 45.52% | -43.90% | -0.00% | 13.15% | 20.60% | Upgrade
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| Dividend Per Share | 1.965 | 1.931 | 1.901 | 1.843 | 1.794 | 1.727 | Upgrade
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| Dividend Growth | 2.00% | 1.56% | 3.17% | 2.71% | 3.88% | 3.45% | Upgrade
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| Effective Tax Rate | 18.29% | 17.41% | 17.22% | 18.13% | 17.55% | 17.33% | Upgrade
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.