Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
57.66
-0.39 (-0.67%)
At close: Apr 1, 2025, 4:00 PM
55.25
-2.41 (-4.18%)
Pre-market: Apr 2, 2025, 4:09 AM EDT

CZFS Balance Sheet

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 2019 - 2015
Period Ending
Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2019 - 2015
Cash & Equivalents
42.252.8226.21172.8368.71
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Investment Securities
292.81332.8348.5325.23234.85
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Trading Asset Securities
10.3713.6916.64.011.11
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Mortgage-Backed Securities
146.5899.35100.58100.7676.25
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Total Investments
449.76445.84465.67430312.21
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Gross Loans
2,3132,2491,7251,4421,405
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Allowance for Loan Losses
-21.7-21.15-18.55-17.3-15.82
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Net Loans
2,2922,2281,7061,4241,389
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Property, Plant & Equipment
31.3632.522.6120.2819.23
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Goodwill
85.7685.7631.3831.3831.38
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Other Intangible Assets
2.132.70.30.450.65
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Loans Held for Sale
9.619.380.734.5514.64
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Accrued Interest Receivable
10.3111.047.335.246
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Long-Term Deferred Tax Assets
15.217.3412.894.08-
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Other Real Estate Owned & Foreclosed
2.640.470.541.181.84
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Other Long-Term Assets
70.6974.848.6746.3542.97
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Total Assets
3,0262,9752,3332,1441,892
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Accrued Expenses
0.530.580.620.650.67
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Interest Bearing Deposits
1,6581,7031,3921,3981,209
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Institutional Deposits
191.0294.8156.2979.6175.87
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Non-Interest Bearing Deposits
532.78523.78396.26358.07303.76
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Total Deposits
2,3822,3211,8441,8361,589
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Short-Term Borrowings
218.07187.2178.842.11.11
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Current Portion of Long-Term Debt
58.6976.0460.7854.169.11
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Current Portion of Leases
1.78----
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Accrued Interest Payable
4.694.31.230.711.02
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Long-Term Debt
26.7826.4317.399.880.01
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Federal Home Loan Bank Debt, Long-Term
-40.29101019.73
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Long-Term Leases
8.3211.195.023.272.3
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Pension & Post-Retirement Benefits
2.653.513.373.212.76
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Other Long-Term Liabilities
22.4724.6511.811.3111.85
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Total Liabilities
2,7262,6962,1331,9311,697
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Common Stock
5.215.164.434.394.35
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Additional Paid-In Capital
144.98143.2380.9178.475.91
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Retained Earnings
189.44172.98164.92146.01126.63
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Treasury Stock
-16.38-16.79-16.97-16.15-15.21
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Comprehensive Income & Other
-23.52-24.91-33.14-0.162.59
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Shareholders' Equity
299.73279.67200.15212.49194.26
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Total Liabilities & Equity
3,0262,9752,3332,1441,892
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Total Debt
313.63341.15272.0279.3492.26
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Net Cash (Debt)
-257.24-270.57-223.16108.53-8.68
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Net Cash Per Share
-54.10-61.09-55.0226.71-2.19
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Filing Date Shares Outstanding
4.764.754.054.064.07
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Total Common Shares Outstanding
4.764.754.054.064.08
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Book Value Per Share
62.9758.8349.4152.2947.60
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Tangible Book Value
211.85191.21168.47180.66162.24
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Tangible Book Value Per Share
44.5140.2241.5944.4539.75
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Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q