Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
72.74
+1.86 (2.62%)
Nov 22, 2024, 4:00 PM EST - Market closed
CZFS Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | 2018 - 2014 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '24 Sep 30, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | Dec '19 Dec 31, 2019 | 2018 - 2014 |
| Interest Income on Loans | 141.7 | 116.08 | 74.27 | 66.37 | 63.54 | 54.91 | Upgrade
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| Interest Income on Investments | 11.34 | 11.04 | 9.09 | 6.85 | 6.76 | 7.07 | Upgrade
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| Total Interest Income | 153.04 | 127.12 | 83.36 | 73.22 | 70.3 | 61.98 | Upgrade
|
| Interest Paid on Deposits | 50.63 | 31.7 | 7.32 | 5.84 | 6.85 | 9.22 | Upgrade
|
| Interest Paid on Borrowings | 16.97 | 15.16 | 3.91 | 1.27 | 1.25 | 2.82 | Upgrade
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| Total Interest Expense | 67.6 | 46.86 | 11.22 | 7.11 | 8.11 | 12.04 | Upgrade
|
| Net Interest Income | 85.44 | 80.26 | 72.13 | 66.11 | 62.19 | 49.94 | Upgrade
|
| Net Interest Income Growth (YoY) | 9.95% | 11.27% | 9.11% | 6.30% | 24.53% | 5.84% | Upgrade
|
| Trust Income | 0.81 | 0.76 | 0.8 | 0.87 | 0.8 | 0.75 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.21 | -0.2 | -0.37 | 0.44 | 0.16 | 0.04 | Upgrade
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| Other Non-Interest Income | 11.01 | 9.58 | 8.94 | 8.45 | 8.19 | 7.02 | Upgrade
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| Total Non-Interest Income | 15.55 | 11.61 | 9.63 | 11.04 | 11.31 | 8.28 | Upgrade
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| Non-Interest Income Growth (YoY) | 50.70% | 20.51% | -12.79% | -2.40% | 36.68% | 8.54% | Upgrade
|
| Revenues Before Loan Losses | 100.99 | 91.87 | 81.76 | 77.15 | 73.51 | 58.22 | Upgrade
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| Provision for Loan Losses | 2.79 | 5.53 | 1.68 | 1.55 | 2.4 | 1.68 | Upgrade
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| Revenue | 98.2 | 86.34 | 80.08 | 75.6 | 71.11 | 56.54 | Upgrade
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| Revenue Growth (YoY) | 19.13% | 7.81% | 5.92% | 6.33% | 25.75% | 6.91% | Upgrade
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| Salaries and Employee Benefits | 38.68 | 34.68 | 27.5 | 25.29 | 23.72 | 20.09 | Upgrade
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| Occupancy Expenses | 2.55 | 2.55 | 2.35 | 2.23 | 1.94 | - | Upgrade
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| Federal Deposit Insurance | 2.06 | 1.48 | 0.68 | 0.52 | 0.48 | 0.08 | Upgrade
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| Amortization of Goodwill & Intangibles | 0.59 | 0.37 | 0.16 | 0.19 | 0.22 | 0.26 | Upgrade
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| Selling, General & Administrative | 8.62 | 6.45 | 4.78 | 4.72 | 4.52 | 5.59 | Upgrade
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| Other Non-Interest Expense | 12.06 | 9.86 | 8.82 | 8.06 | 7.24 | 6.38 | Upgrade
|
| Total Non-Interest Expense | 64.84 | 55.55 | 44.29 | 41.44 | 38.56 | 32.77 | Upgrade
|
| EBT Excluding Unusual Items | 33.36 | 30.78 | 35.79 | 34.16 | 32.55 | 23.78 | Upgrade
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| Pretax Income | 33.36 | 21.52 | 35.5 | 35.32 | 30.37 | 23.31 | Upgrade
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| Income Tax Expense | 5.99 | 3.7 | 6.44 | 6.2 | 5.26 | 3.82 | Upgrade
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| Net Income | 27.38 | 17.81 | 29.06 | 29.12 | 25.1 | 19.49 | Upgrade
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| Net Income to Common | 27.38 | 17.81 | 29.06 | 29.12 | 25.1 | 19.49 | Upgrade
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| Net Income Growth | 50.86% | -38.71% | -0.20% | 15.99% | 28.80% | 8.07% | Upgrade
|
| Basic Shares Outstanding | 5 | 4 | 4 | 4 | 4 | 4 | Upgrade
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| Diluted Shares Outstanding | 5 | 4 | 4 | 4 | 4 | 4 | Upgrade
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| Shares Change (YoY) | 11.70% | 9.32% | -0.36% | 2.54% | 6.85% | -0.44% | Upgrade
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| EPS (Basic) | 5.77 | 4.02 | 7.18 | 7.17 | 6.34 | 5.26 | Upgrade
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| EPS (Diluted) | 5.75 | 4.02 | 7.18 | 7.17 | 6.33 | 5.25 | Upgrade
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| EPS Growth | 34.84% | -43.99% | 0.16% | 13.15% | 20.60% | 8.42% | Upgrade
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| Dividend Per Share | 1.946 | 1.921 | 1.861 | 1.812 | 1.744 | 1.686 | Upgrade
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| Dividend Growth | 2.25% | 3.21% | 2.73% | 3.88% | 3.45% | 3.57% | Upgrade
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| Effective Tax Rate | 17.95% | 17.22% | 18.13% | 17.55% | 17.33% | 16.39% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.