Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
54.25
+0.65 (1.21%)
At close: Oct 30, 2025, 4:00 PM EDT
54.25
0.00 (0.00%)
After-hours: Oct 30, 2025, 4:30 PM EDT

CZFS Income Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Interest Income on Loans
143.83142.69116.0874.2766.3763.54
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Interest Income on Investments
13.9811.6311.049.096.856.76
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Total Interest Income
157.81154.32127.1283.3673.2270.3
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Interest Paid on Deposits
49.1252.3331.77.325.846.85
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Interest Paid on Borrowings
14.0315.5415.163.911.271.25
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Total Interest Expense
63.1567.8646.8611.227.118.11
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Net Interest Income
94.6686.4680.2672.1366.1162.19
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Net Interest Income Growth (YoY)
10.80%7.72%11.27%9.11%6.30%24.53%
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Trust Income
0.780.820.760.80.870.8
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Gain (Loss) on Sale of Assets
-1.1----
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Gain (Loss) on Sale of Investments
0.070.15-0.2-0.370.440.16
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Other Non-Interest Income
11.0411.029.588.948.458.19
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Total Non-Interest Income
14.2915.411.619.6311.0411.31
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Non-Interest Income Growth (YoY)
-8.14%32.71%20.51%-12.79%-2.40%36.68%
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Revenues Before Loan Losses
108.95101.8691.8781.7677.1573.51
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Provision for Loan Losses
1.882.595.531.681.552.4
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107.0799.2786.3480.0875.671.11
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Revenue Growth (YoY)
9.04%14.98%7.81%5.92%6.33%25.75%
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Salaries and Employee Benefits
39.538.9434.6827.525.2923.72
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Occupancy Expenses
2.812.812.552.352.231.94
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Federal Deposit Insurance
1.7521.480.680.520.48
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Amortization of Goodwill & Intangibles
0.50.560.370.160.190.22
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Selling, General & Administrative
7.678.216.454.784.724.52
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Other Non-Interest Expense
12.9812.869.868.828.067.24
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Total Non-Interest Expense
65.3865.5955.5544.2941.4438.56
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EBT Excluding Unusual Items
41.733.6830.7835.7934.1632.55
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Pretax Income
41.733.6821.5235.535.3230.37
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Income Tax Expense
7.625.873.76.446.25.26
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Net Income
34.0727.8217.8129.0629.1225.1
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Net Income to Common
34.0727.8217.8129.0629.1225.1
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Net Income Growth
24.46%56.18%-38.71%-0.20%15.99%28.80%
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Basic Shares Outstanding
554444
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Diluted Shares Outstanding
554444
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Shares Change (YoY)
0.07%7.36%9.21%-0.20%2.54%6.85%
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EPS (Basic)
7.105.803.987.097.096.27
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EPS (Diluted)
7.105.793.987.097.096.27
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EPS Growth
24.65%45.52%-43.90%-0.00%13.15%20.60%
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Dividend Per Share
1.9651.9311.9011.8431.7941.727
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Dividend Growth
1.96%1.56%3.17%2.71%3.88%3.45%
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Effective Tax Rate
18.29%17.41%17.22%18.13%17.55%17.33%
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q