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 Balance Sheet

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
Cash & Equivalents	34.29	42.2	52.82	26.21	172.83
Investment Securities	450.38	292.81	332.8	348.5	325.23
Trading Asset Securities	6.93	10.37	13.69	16.6	4.01
Mortgage-Backed Securities	-	146.58	99.35	100.58	100.76
Total Investments	457.3	449.76	445.84	465.67	430
Gross Loans	2,351	2,313	2,249	1,725	1,442
Allowance for Loan Losses	-22.81	-21.7	-21.15	-18.55	-17.3
Net Loans	2,328	2,292	2,228	1,706	1,424
Property, Plant & Equipment	21	31.36	32.5	22.61	20.28
Goodwill	85.76	85.76	85.76	31.38	31.38
Other Intangible Assets	2.22	2.13	2.7	0.3	0.45
Loans Held for Sale	9.39	9.61	9.38	0.73	4.55
Accrued Interest Receivable	10.7	10.31	11.04	7.33	5.24
Long-Term Deferred Tax Assets	11.44	15.2	17.34	12.89	4.08
Other Real Estate Owned & Foreclosed	2.36	2.64	0.47	0.54	1.18
Other Long-Term Assets	102.29	70.69	74.8	48.67	46.35
Total Assets	3,065	3,026	2,975	2,333	2,144
Accrued Expenses	-	0.53	0.58	0.62	0.65
Interest Bearing Deposits	1,860	1,658	1,703	1,392	1,398
Institutional Deposits	-	191.02	94.81	56.29	79.61
Non-Interest Bearing Deposits	516.66	532.78	523.78	396.26	358.07
Total Deposits	2,377	2,382	2,321	1,844	1,836
Short-Term Borrowings	4.1	218.07	187.2	178.84	2.1
Current Portion of Long-Term Debt	-	58.69	76.04	60.78	54.1
Current Portion of Leases	-	1.78	-	-	-
Accrued Interest Payable	3.13	4.69	4.3	1.23	0.71
Long-Term Debt	309.45	26.78	26.43	17.39	9.88
Federal Home Loan Bank Debt, Long-Term	-	-	40.29	10	10
Long-Term Leases	-	8.32	11.19	5.02	3.27
Pension & Post-Retirement Benefits	-	2.65	3.51	3.37	3.21
Other Long-Term Liabilities	32.86	22.47	24.65	11.8	11.31
Total Liabilities	2,727	2,726	2,696	2,133	1,931
Common Stock	5.26	5.21	5.16	4.43	4.39
Additional Paid-In Capital	147.97	144.98	143.23	80.91	78.4
Retained Earnings	213.62	189.44	172.98	164.92	146.01
Treasury Stock	-16.42	-16.38	-16.79	-16.97	-16.15
Comprehensive Income & Other	-12.38	-23.52	-24.91	-33.14	-0.16
Shareholders' Equity	338.05	299.73	279.67	200.15	212.49
Total Liabilities & Equity	3,065	3,026	2,975	2,333	2,144
Total Debt	313.55	313.63	341.15	272.02	79.34
Net Cash (Debt)	-268.51	-257.24	-270.57	-223.16	108.53
Net Cash Per Share	-55.94	-53.56	-60.48	-54.48	26.44
Filing Date Shares Outstanding	4.81	4.81	4.8	4.09	4.1
Total Common Shares Outstanding	4.81	4.81	4.8	4.09	4.1
Book Value Per Share	70.32	62.35	58.24	48.92	51.77
Tangible Book Value	250.07	211.85	191.21	168.47	180.66
Tangible Book Value Per Share	52.02	44.07	39.82	41.18	44.01

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

SEC Filings: 10-K · 10-Q