Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

63.13

-0.04 (-0.06%)

At close: May 12, 2026, 4:00 PM EDT

64.07

+0.93 (1.48%)

After-hours: May 12, 2026, 4:10 PM EDT

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
Revenue	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	39.33	36.57	27.82	17.81	29.06	29.12
Net Income to Common	39.33	36.57	27.82	17.81	29.06	29.12
Net Income Growth	37.44%	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%

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q