Citizens Financial Corp. (CIWV)

Citizens Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	37.23	36.55	34.85	26.51	17.32	14.35
Interest Income on Investments	3.2	3.2	2.4	1.81	1.79	0.74
Total Interest Income	40.43	39.75	37.25	28.32	19.11	15.09
Interest Paid on Deposits	11.89	12.17	13.38	8.74	1.92	1.05
Interest Paid on Borrowings	1.15	1.15	2.24	1.68	0.77	0.17
Total Interest Expense	13.04	13.32	15.62	10.42	2.69	1.22
Net Interest Income	27.38	26.43	21.63	17.91	16.42	13.87
Net Interest Income Growth (YoY)	19.37%	22.16%	20.80%	9.04%	18.41%	12.33%
Trust Income	0.54	0.54	0.5	0.58	0.5	0.37
Other Non-Interest Income	5.62	3.75	3.59	3.17	3	2.77
Total Non-Interest Income	6.37	4.5	4.34	4	3.6	3.64
Non-Interest Income Growth (YoY)	45.61%	3.68%	8.60%	11.09%	-0.98%	-8.76%
Revenues Before Loan Losses	33.76	30.93	25.98	21.91	20.02	17.51
Provision for Loan Losses	2.62	2.02	2.21	1.2	0.55	0.5
Revenue	31.14	28.91	23.77	20.71	19.47	17.01
Revenue Growth (YoY)	23.50%	21.66%	14.75%	6.35%	14.51%	11.30%
Salaries and Employee Benefits	8.3	8.3	7.67	7.09	5.9	5.41
Occupancy Expenses	0.96	0.96	0.68	0.58	0.55	0.52
Federal Deposit Insurance	0.33	0.33	0.48	0.32	0.3	0.09
Amortization of Goodwill & Intangibles	0.25	0.25	0.25	0.25	0.25	-
Selling, General & Administrative	3.39	3.39	3.18	2.75	2.49	2.45
Other Non-Interest Expense	3.5	2.13	1.86	1.77	1.58	1.13
Total Non-Interest Expense	17.27	15.91	14.24	12.91	11.24	9.71
EBT Excluding Unusual Items	13.86	13	9.52	7.8	8.23	7.29
Pretax Income	13.86	13	9.52	7.8	8.23	7.29
Income Tax Expense	2.62	2.82	1.98	1.56	1.69	1.5
Net Income	11.24	10.18	7.54	6.24	6.54	5.79
Net Income to Common	11.24	10.18	7.54	6.24	6.54	5.79
Net Income Growth	33.38%	34.95%	20.86%	-4.55%	12.88%	34.40%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	-	0.34%	0.34%	0.44%	-0.16%	-0.19%
EPS (Basic)	6.26	5.69	4.23	3.51	3.70	3.27
EPS (Diluted)	6.26	5.69	4.23	3.51	3.70	3.27
EPS Growth	-	34.48%	20.46%	-4.98%	13.06%	34.66%
Dividend Per Share	0.770	1.020	0.910	0.840	0.800	0.680
Dividend Growth	-18.09%	12.09%	8.33%	5.00%	17.65%	11.47%
Effective Tax Rate	18.91%	21.72%	20.80%	19.98%	20.57%	20.59%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.