Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
54.25
+0.65 (1.21%)
At close: Oct 30, 2025, 4:00 PM EDT
54.25
0.00 (0.00%)
After-hours: Oct 30, 2025, 4:30 PM EDT
CZFS Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Cash & Equivalents | 31.08 | 42.2 | 52.82 | 26.21 | 172.83 | 68.71 | Upgrade |
Investment Securities | 456.98 | 292.81 | 332.8 | 348.5 | 325.23 | 234.85 | Upgrade |
Trading Asset Securities | 7.49 | 10.37 | 13.69 | 16.6 | 4.01 | 1.11 | Upgrade |
Mortgage-Backed Securities | - | 146.58 | 99.35 | 100.58 | 100.76 | 76.25 | Upgrade |
Total Investments | 464.47 | 449.76 | 445.84 | 465.67 | 430 | 312.21 | Upgrade |
Gross Loans | - | 2,313 | 2,249 | 1,725 | 1,442 | 1,405 | Upgrade |
Allowance for Loan Losses | - | -21.7 | -21.15 | -18.55 | -17.3 | -15.82 | Upgrade |
Net Loans | - | 2,292 | 2,228 | 1,706 | 1,424 | 1,389 | Upgrade |
Property, Plant & Equipment | 21.51 | 31.36 | 32.5 | 22.61 | 20.28 | 19.23 | Upgrade |
Goodwill | 85.76 | 85.76 | 85.76 | 31.38 | 31.38 | 31.38 | Upgrade |
Other Intangible Assets | 2.37 | 2.13 | 2.7 | 0.3 | 0.45 | 0.65 | Upgrade |
Loans Held for Sale | 2,326 | 9.61 | 9.38 | 0.73 | 4.55 | 14.64 | Upgrade |
Accrued Interest Receivable | 11.41 | 10.31 | 11.04 | 7.33 | 5.24 | 6 | Upgrade |
Long-Term Deferred Tax Assets | 12.29 | 15.2 | 17.34 | 12.89 | 4.08 | - | Upgrade |
Other Real Estate Owned & Foreclosed | - | 2.64 | 0.47 | 0.54 | 1.18 | 1.84 | Upgrade |
Other Long-Term Assets | 101.09 | 70.69 | 74.8 | 48.67 | 46.35 | 42.97 | Upgrade |
Total Assets | 3,056 | 3,026 | 2,975 | 2,333 | 2,144 | 1,892 | Upgrade |
Accrued Expenses | - | 0.53 | 0.58 | 0.62 | 0.65 | 0.67 | Upgrade |
Interest Bearing Deposits | 1,889 | 1,658 | 1,703 | 1,392 | 1,398 | 1,209 | Upgrade |
Institutional Deposits | - | 191.02 | 94.81 | 56.29 | 79.61 | 75.87 | Upgrade |
Non-Interest Bearing Deposits | 522.17 | 532.78 | 523.78 | 396.26 | 358.07 | 303.76 | Upgrade |
Total Deposits | 2,411 | 2,382 | 2,321 | 1,844 | 1,836 | 1,589 | Upgrade |
Short-Term Borrowings | 4.33 | 218.07 | 187.2 | 178.84 | 2.1 | 1.11 | Upgrade |
Current Portion of Long-Term Debt | - | 58.69 | 76.04 | 60.78 | 54.1 | 69.11 | Upgrade |
Current Portion of Leases | - | 1.78 | - | - | - | - | Upgrade |
Accrued Interest Payable | 3.75 | 4.69 | 4.3 | 1.23 | 0.71 | 1.02 | Upgrade |
Long-Term Debt | 279.59 | 26.78 | 26.43 | 17.39 | 9.88 | 0.01 | Upgrade |
Federal Home Loan Bank Debt, Long-Term | - | - | 40.29 | 10 | 10 | 19.73 | Upgrade |
Long-Term Leases | - | 8.32 | 11.19 | 5.02 | 3.27 | 2.3 | Upgrade |
Pension & Post-Retirement Benefits | - | 2.65 | 3.51 | 3.37 | 3.21 | 2.76 | Upgrade |
Other Long-Term Liabilities | 29.86 | 22.47 | 24.65 | 11.8 | 11.31 | 11.85 | Upgrade |
Total Liabilities | 2,729 | 2,726 | 2,696 | 2,133 | 1,931 | 1,697 | Upgrade |
Common Stock | 5.26 | 5.21 | 5.16 | 4.43 | 4.39 | 4.35 | Upgrade |
Additional Paid-In Capital | 147.97 | 144.98 | 143.23 | 80.91 | 78.4 | 75.91 | Upgrade |
Retained Earnings | 205.54 | 189.44 | 172.98 | 164.92 | 146.01 | 126.63 | Upgrade |
Treasury Stock | -16.44 | -16.38 | -16.79 | -16.97 | -16.15 | -15.21 | Upgrade |
Comprehensive Income & Other | -14.65 | -23.52 | -24.91 | -33.14 | -0.16 | 2.59 | Upgrade |
Shareholders' Equity | 327.68 | 299.73 | 279.67 | 200.15 | 212.49 | 194.26 | Upgrade |
Total Liabilities & Equity | 3,056 | 3,026 | 2,975 | 2,333 | 2,144 | 1,892 | Upgrade |
Total Debt | 283.92 | 313.63 | 341.15 | 272.02 | 79.34 | 92.26 | Upgrade |
Net Cash (Debt) | -241.54 | -257.24 | -270.57 | -223.16 | 108.53 | -8.68 | Upgrade |
Net Cash Per Share | -50.31 | -53.56 | -60.48 | -54.48 | 26.44 | -2.17 | Upgrade |
Filing Date Shares Outstanding | 4.81 | 4.81 | 4.8 | 4.09 | 4.1 | 4.11 | Upgrade |
Total Common Shares Outstanding | 4.81 | 4.81 | 4.8 | 4.09 | 4.1 | 4.12 | Upgrade |
Book Value Per Share | 68.18 | 62.35 | 58.24 | 48.92 | 51.77 | 47.13 | Upgrade |
Tangible Book Value | 239.55 | 211.85 | 191.21 | 168.47 | 180.66 | 162.24 | Upgrade |
Tangible Book Value Per Share | 49.84 | 44.07 | 39.82 | 41.18 | 44.01 | 39.36 | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.