Citizens Financial Services, Inc. (CZFS)

CZFS Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	34.29	42.2	52.82	26.21	172.83
Securities and Investments	450.38	431.48	423.61	447.77	425.7
Other Earning Assets	9.39	9.61	9.38	0.73	4.55
Net Loans	2,328	2,292	2,228	1,706	1,424
Net Property, Plant & Equipment	21	21.4	21.38	17.62	17.02
Accrued Interest and Accounts Receivable	10.7	10.31	11.04	7.33	5.24
Other Intangible Assets	2.22	2.89	3.65	1.27	1.63
Goodwill	85.76	85.76	85.76	31.38	31.38
Long-Term Investments	51.5	50.34	49.9	39.36	38.5
Other Non-Earning Assets	71.51	80.2	90.1	55.29	22.79
Total Assets	3,065	3,026	2,975	2,333	2,144
Interest-bearing deposits	1,860	1,849	1,798	1,448	1,478
Noninterest-bearing deposits	516.66	532.78	523.78	396.26	358.07
Total Deposits	2,377	2,382	2,321	1,844	1,836
Accrued Expenses	3.13	4.69	4.3	1.23	0.71
Long-Term Debt	309.45	297.72	322.04	257.28	73.98
Other Liabilities	36.96	41.55	47.84	30.53	20.53
Total Liabilities	2,727	2,726	2,696	2,133	1,931
Common Stock	5.26	5.21	5.16	4.43	4.39
Treasury Stock	-16.42	-16.38	-16.79	-16.97	-16.15
Additional Paid-in Capital	147.97	144.98	143.23	80.91	78.4
Accumulated Other Comprehensive Income	-12.38	-23.52	-24.91	-33.14	-0.16
Retained Earnings	213.62	189.44	172.98	164.92	146.01
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	309.45	297.72	322.04	257.28	73.98
Net Cash (Debt)	-309.45	-297.72	-322.04	-257.28	-73.98
Net Cash Per Share	-	-62.00	-72.71	-63.44	-18.39
Book Value	338.05	299.73	279.67	200.15	212.49
Book Value Per Share	-	62.42	63.14	49.35	52.82
Tangible Book Value	250.07	211.08	190.26	167.5	179.49
Tangible Book Value Per Share	-	43.96	42.96	41.30	44.61

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q