Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
63.72
-1.31 (-2.01%)
Jun 2, 2026, 2:16 PM EDT - Market open
CZFS Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 101.11 | 98 | 86.46 | 80.26 | 72.13 | 66.11 |
Net Interest Income Growth | 14.25% | 13.36% | 7.72% | 11.27% | 9.11% | 6.30% |
Non-Interest Income | 14.61 | 14.34 | 15.4 | 11.61 | 9.74 | 12.31 |
Non-Interest Income Growth | 5.41% | -6.86% | 32.71% | 19.17% | -20.86% | 7.73% |
Revenues Before Loan Losses | 115.72 | 112.35 | 101.86 | 91.87 | 81.87 | 78.42 |
Provision for Credit Losses | 2.25 | 2.38 | 2.59 | 0.94 | 1.68 | 1.55 |
| 113.47 | 109.97 | 99.27 | 90.93 | 80.19 | 76.87 | |
Revenue Growth (YoY) | 13.55% | 10.78% | 9.17% | 13.39% | 4.32% | 7.94% |
Compensation Expenses | 39.39 | 39.4 | 39.35 | 34.99 | 27.84 | 25.9 |
Selling, General & Admin | 8.95 | 8.85 | 8.65 | 6.91 | 5.34 | 5.01 |
Other Non-Interest Expenses | 16.57 | 16.48 | 17.39 | 27.46 | 11.51 | 10.64 |
Total Non-Interest Expense | 64.91 | 64.73 | 65.39 | 64.76 | 44.69 | 41.55 |
Pretax Income | 48.56 | 45.24 | 33.88 | 21.58 | 35.5 | 35.32 |
Provision for Income Taxes | 9.24 | 8.67 | 6.07 | 3.76 | 6.44 | 6.2 |
Net Income | 18.47 | 36.57 | 27.82 | 17.81 | 29.06 | 29.12 |
Net Income to Common | 18.47 | 36.57 | 27.82 | 17.81 | 29.06 | 29.12 |
Net Income Growth | 44.16% | 31.47% | 56.18% | -38.71% | -0.20% | 15.99% |
Shares Outstanding (Basic) | 5 | 5 | 5 | 4 | 4 | 4 |
Shares Outstanding (Diluted) | 5 | 5 | 5 | 4 | 4 | 4 |
Shares Change (YoY) | 0.01% | -0.04% | 7.28% | 10.37% | 0.80% | 3.56% |
EPS (Basic) | 8.20 | 7.62 | 5.80 | 3.98 | 7.17 | 7.24 |
EPS (Diluted) | 8.19 | 7.62 | 5.79 | 3.98 | 7.17 | 7.24 |
EPS Growth | 38.34% | 31.61% | 45.48% | -44.49% | -0.97% | 12.07% |
Shares Outstanding | 4.8 | 4.81 | 4.76 | 4.75 | 3.97 | 3.92 |
Free Cash Flow | 42.77 | 35.24 | 31.87 | 23.92 | 31.61 | 37.59 |
Free Cash Flow Growth | 21.38% | 10.57% | 33.23% | -24.32% | -15.92% | 245.48% |
Free Cash Flow Per Share | 8.91 | 7.34 | 6.64 | 5.34 | 7.79 | 9.34 |
Dividends Per Share | 1.990 | 1.980 | 1.931 | 1.899 | 1.843 | 1.794 |
Dividend Growth | 0.51% | 2.54% | 1.69% | 3.06% | 2.71% | 3.88% |
Profit Margin | 34.66% | 33.26% | 28.02% | 19.59% | 36.24% | 37.88% |
FCF Margin | 37.69% | 32.04% | 32.10% | 26.31% | 39.41% | 48.90% |
EBITDA | 2.13 | 2.1 | 1.81 | 1.52 | 1.03 | 1.11 |
EBITDA Margin | 1.87% | 1.91% | 1.82% | 1.67% | 1.29% | 1.45% |
Effective Tax Rate | 19.02% | 19.16% | 17.90% | 17.45% | 18.13% | 17.55% |