Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

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62.70

-2.05 (-3.17%)

At close: Feb 11, 2026, 4:00 PM EST

63.92

+1.22 (1.95%)

After-hours: Feb 11, 2026, 7:00 PM EST

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
Interest Income on Loans	144.43	142.69	116.08	74.27	66.37
Interest Income on Investments	14.74	11.63	11.04	9.09	6.85
Total Interest Income	159.17	154.32	127.12	83.36	73.22
Interest Paid on Deposits	47.05	52.33	31.7	7.32	5.84
Interest Paid on Borrowings	14.12	15.54	15.16	3.91	1.27
Total Interest Expense	61.17	67.86	46.86	11.22	7.11
Net Interest Income	98	86.46	80.26	72.13	66.11
Net Interest Income Growth (YoY)	13.36%	7.72%	11.27%	9.11%	6.30%
Trust Income	0.79	0.82	0.76	0.8	0.87
Gain (Loss) on Sale of Assets	-	1.1	-	-	-
Gain (Loss) on Sale of Investments	0.07	0.15	-0.2	-0.37	0.44
Other Non-Interest Income	11.2	11.02	9.58	8.94	8.45
Total Non-Interest Income	14.34	15.4	11.61	9.63	11.04
Non-Interest Income Growth (YoY)	-6.86%	32.71%	20.51%	-12.79%	-2.40%
Revenues Before Loan Losses	112.35	101.86	91.87	81.76	77.15
Provision for Loan Losses	2.38	2.59	5.53	1.68	1.55
Revenue	109.97	99.27	86.34	80.08	75.6
Revenue Growth (YoY)	10.78%	14.98%	7.81%	5.92%	6.33%
Salaries and Employee Benefits	39.4	38.94	34.68	27.5	25.29
Occupancy Expenses	-	2.81	2.55	2.35	2.23
Federal Deposit Insurance	1.71	2	1.48	0.68	0.52
Amortization of Goodwill & Intangibles	0.48	0.56	0.37	0.16	0.19
Selling, General & Administrative	10.69	8.21	6.45	4.78	4.72
Other Non-Interest Expense	12.33	12.86	9.86	8.82	8.06
Total Non-Interest Expense	64.88	65.59	55.55	44.29	41.44
EBT Excluding Unusual Items	45.09	33.68	30.78	35.79	34.16
Pretax Income	45.09	33.68	21.52	35.5	35.32
Income Tax Expense	8.52	5.87	3.7	6.44	6.2
Net Income	36.57	27.82	17.81	29.06	29.12
Net Income to Common	36.57	27.82	17.81	29.06	29.12
Net Income Growth	31.47%	56.18%	-38.71%	-0.20%	15.99%
Basic Shares Outstanding	5	5	4	4	4
Diluted Shares Outstanding	5	5	4	4	4
Shares Change (YoY)	-0.05%	7.36%	9.21%	-0.20%	2.54%
EPS (Basic)	7.62	5.80	3.98	7.09	7.09
EPS (Diluted)	7.62	5.79	3.98	7.09	7.09
EPS Growth	31.56%	45.52%	-43.90%	-0.00%	13.15%
Dividend Per Share	1.990	1.931	1.901	1.843	1.794
Dividend Growth	3.07%	1.56%	3.17%	2.71%	3.88%
Effective Tax Rate	18.89%	17.41%	17.22%	18.13%	17.55%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q