Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
55.70
-1.14 (-2.01%)
Apr 25, 2025, 4:00 PM EDT - Market closed
CZFS Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|
Period Ending | 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 | 42.2 | 52.82 | 26.21 | 172.83 | 68.71 | Upgrade
|
| Investment Securities | 292.81 | 332.8 | 348.5 | 325.23 | 234.85 | Upgrade
|
| Trading Asset Securities | 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 | 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 | 31.36 | 32.5 | 22.61 | 20.28 | 19.23 | Upgrade
|
| Goodwill | 85.76 | 85.76 | 31.38 | 31.38 | 31.38 | Upgrade
|
| Other Intangible Assets | 2.13 | 2.7 | 0.3 | 0.45 | 0.65 | Upgrade
|
| Loans Held for Sale | 9.61 | 9.38 | 0.73 | 4.55 | 14.64 | Upgrade
|
| Accrued Interest Receivable | 10.31 | 11.04 | 7.33 | 5.24 | 6 | Upgrade
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| Long-Term Deferred Tax Assets | 15.2 | 17.34 | 12.89 | 4.08 | - | Upgrade
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| Other Real Estate Owned & Foreclosed | 2.64 | 0.47 | 0.54 | 1.18 | 1.84 | Upgrade
|
| Other Long-Term Assets | 70.69 | 74.8 | 48.67 | 46.35 | 42.97 | Upgrade
|
| Total Assets | 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 | 1,658 | 1,703 | 1,392 | 1,398 | 1,209 | Upgrade
|
| Institutional Deposits | 191.02 | 94.81 | 56.29 | 79.61 | 75.87 | Upgrade
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| Non-Interest Bearing Deposits | 532.78 | 523.78 | 396.26 | 358.07 | 303.76 | Upgrade
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| Total Deposits | 2,382 | 2,321 | 1,844 | 1,836 | 1,589 | Upgrade
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| Short-Term Borrowings | 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
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| Accrued Interest Payable | 4.69 | 4.3 | 1.23 | 0.71 | 1.02 | Upgrade
|
| Long-Term Debt | 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
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| Long-Term Leases | 8.32 | 11.19 | 5.02 | 3.27 | 2.3 | Upgrade
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| Pension & Post-Retirement Benefits | 2.65 | 3.51 | 3.37 | 3.21 | 2.76 | Upgrade
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| Other Long-Term Liabilities | 22.47 | 24.65 | 11.8 | 11.31 | 11.85 | Upgrade
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| Total Liabilities | 2,726 | 2,696 | 2,133 | 1,931 | 1,697 | Upgrade
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| Common Stock | 5.21 | 5.16 | 4.43 | 4.39 | 4.35 | Upgrade
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| Additional Paid-In Capital | 144.98 | 143.23 | 80.91 | 78.4 | 75.91 | Upgrade
|
| Retained Earnings | 189.44 | 172.98 | 164.92 | 146.01 | 126.63 | Upgrade
|
| Treasury Stock | -16.38 | -16.79 | -16.97 | -16.15 | -15.21 | Upgrade
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| Comprehensive Income & Other | -23.52 | -24.91 | -33.14 | -0.16 | 2.59 | Upgrade
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| Shareholders' Equity | 299.73 | 279.67 | 200.15 | 212.49 | 194.26 | Upgrade
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| Total Liabilities & Equity | 3,026 | 2,975 | 2,333 | 2,144 | 1,892 | Upgrade
|
| Total Debt | 313.63 | 341.15 | 272.02 | 79.34 | 92.26 | Upgrade
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| Net Cash (Debt) | -257.24 | -270.57 | -223.16 | 108.53 | -8.68 | Upgrade
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| Net Cash Per Share | -54.10 | -61.09 | -55.02 | 26.71 | -2.19 | Upgrade
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| Filing Date Shares Outstanding | 4.76 | 4.75 | 4.05 | 4.06 | 4.07 | Upgrade
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| Total Common Shares Outstanding | 4.76 | 4.75 | 4.05 | 4.06 | 4.08 | Upgrade
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| Book Value Per Share | 62.97 | 58.83 | 49.41 | 52.29 | 47.60 | Upgrade
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| Tangible Book Value | 211.85 | 191.21 | 168.47 | 180.66 | 162.24 | Upgrade
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| Tangible Book Value Per Share | 44.51 | 40.22 | 41.59 | 44.45 | 39.75 | Upgrade
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Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.