Citizens Financial Services, Inc. (CZFS)

CZFS Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	90.85	86.46	80.26	72.13	66.11	62.19
Net Interest Income Growth	5.00%	7.72%	11.27%	9.11%	6.30%	24.53%
Non-Interest Income	14.19	15.4	11.61	9.74	12.31	11.42
Non-Interest Income Growth	-1.18%	32.71%	19.17%	-20.86%	7.73%	36.20%
Revenues Before Loan Losses	105.03	101.86	91.87	81.87	78.42	73.61
Provision for Credit Losses	-	2.59	5.53	1.68	1.55	2.4
Revenue	105.03	99.27	86.34	80.19	76.87	71.21
Revenue Growth (YoY)	7.83%	14.98%	7.67%	4.32%	7.94%	25.70%
Compensation Expenses	39.71	39.35	34.99	27.84	25.9	24.19
Selling, General & Admin	4.07	4.55	3.75	3.09	2.85	2.67
Other Non-Interest Expenses	21.5	21.69	26.09	13.77	12.8	13.99
Total Non-Interest Expense	65.27	65.59	64.82	44.69	41.55	40.85
Pretax Income	38.59	33.68	21.52	35.5	35.32	30.37
Provision for Income Taxes	6.98	5.87	3.7	6.44	6.2	5.26
Net Income	31.6	27.82	17.81	29.06	29.12	25.1
Net Income to Common	31.6	27.82	17.81	29.06	29.12	25.1
Net Income Growth	15.39%	56.18%	-38.71%	-0.20%	15.99%	28.80%
Shares Outstanding (Basic)	5	5	4	4	4	4
Shares Outstanding (Diluted)	5	5	4	4	4	4
Shares Change (YoY)	0.08%	7.36%	9.21%	0.80%	3.56%	7.92%
EPS (Basic)	6.63	5.86	4.02	7.17	7.24	6.46
EPS (Diluted)	6.63	5.85	4.02	7.17	7.24	6.46
EPS Growth	14.11%	45.52%	-43.93%	-0.97%	12.07%	19.41%
Free Cash Flow	31.47	31.87	23.92	31.61	37.59	10.88
Free Cash Flow Growth	-1.26%	33.23%	-24.32%	-15.92%	245.48%	-48.88%
Free Cash Flow Per Share	6.60	6.70	5.40	7.79	9.34	2.80
Dividends Per Share	1.955	1.931	1.901	1.843	1.794	1.727
Dividend Growth	1.24%	1.56%	3.17%	2.71%	3.88%	3.45%
Profit Margin	30.09%	28.77%	22.04%	37.02%	38.66%	36.48%
FCF Margin	29.96%	32.96%	29.60%	40.26%	49.91%	15.81%
EBITDA	0.18	-0.01	-0.02	0.97	-1.21	-1.67
EBITDA Margin	0.17%	-0.01%	-0.02%	1.24%	-1.60%	-2.42%
Effective Tax Rate	18.10%	17.41%	17.22%	18.13%	17.55%	17.33%

Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q