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
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
Net Interest Income	98	86.46	80.26	72.13	66.11
Net Interest Income Growth	13.36%	7.72%	11.27%	9.11%	6.30%
Non-Interest Income	6.36	15.4	11.61	9.74	12.31
Non-Interest Income Growth	-58.70%	32.71%	19.17%	-20.86%	7.73%
Revenues Before Loan Losses	104.36	101.86	91.87	81.87	78.42
Provision for Credit Losses	2.38	2.59	0.94	1.68	1.55
Revenue	101.99	99.27	90.93	80.19	76.87
Revenue Growth (YoY)	2.74%	9.17%	13.39%	4.32%	7.94%
Compensation Expenses	-	39.35	34.99	27.84	25.9
Selling, General & Admin	-	8.65	6.91	5.34	5.01
Other Non-Interest Expenses	-	17.59	27.52	11.51	10.64
Total Non-Interest Expense	-	65.59	64.82	44.69	41.55
Pretax Income	101.99	33.68	21.52	35.5	35.32
Provision for Income Taxes	-	5.87	3.7	6.44	6.2
Net Income	101.99	27.82	17.81	29.06	29.12
Net Income to Common	101.99	27.82	17.81	29.06	29.12
Net Income Growth	266.62%	56.18%	-38.71%	-0.20%	15.99%
Shares Outstanding (Basic)	5	5	4	4	4
Shares Outstanding (Diluted)	5	5	4	4	4
Shares Change (YoY)	0.10%	8.42%	9.21%	0.80%	3.56%
EPS (Basic)	21.22	5.80	4.02	7.17	7.24
EPS (Diluted)	21.22	5.79	4.02	7.17	7.24
EPS Growth	266.43%	44.03%	-43.93%	-0.97%	12.07%
Free Cash Flow	2.38	31.87	23.92	31.61	37.59
Free Cash Flow Growth	-92.55%	33.23%	-24.32%	-15.92%	245.48%
Free Cash Flow Per Share	-	6.64	5.40	7.79	9.34
Dividends Per Share	1.990	1.931	1.901	1.843	1.794
Dividend Growth	3.07%	1.56%	3.17%	2.71%	3.88%
Profit Margin	100.00%	28.77%	20.86%	37.02%	38.66%
FCF Margin	2.33%	32.96%	28.01%	40.26%	49.91%
EBITDA	0	1.81	1.52	1.03	1.11
EBITDA Margin	0.00%	1.87%	1.78%	1.32%	1.48%
Effective Tax Rate	0.00%	17.41%	17.22%	18.13%	17.55%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q