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

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Sep '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Cash & Equivalents
31.0842.252.8226.21172.8368.71
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Investment Securities
456.98292.81332.8348.5325.23234.85
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Trading Asset Securities
7.4910.3713.6916.64.011.11
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Mortgage-Backed Securities
-146.5899.35100.58100.7676.25
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Total Investments
464.47449.76445.84465.67430312.21
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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
21.5131.3632.522.6120.2819.23
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Goodwill
85.7685.7685.7631.3831.3831.38
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Other Intangible Assets
2.372.132.70.30.450.65
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Loans Held for Sale
2,3269.619.380.734.5514.64
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Accrued Interest Receivable
11.4110.3111.047.335.246
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Long-Term Deferred Tax Assets
12.2915.217.3412.894.08-
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Other Real Estate Owned & Foreclosed
-2.640.470.541.181.84
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Other Long-Term Assets
101.0970.6974.848.6746.3542.97
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Total Assets
3,0563,0262,9752,3332,1441,892
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Accrued Expenses
-0.530.580.620.650.67
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Interest Bearing Deposits
1,8891,6581,7031,3921,3981,209
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Institutional Deposits
-191.0294.8156.2979.6175.87
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Non-Interest Bearing Deposits
522.17532.78523.78396.26358.07303.76
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Total Deposits
2,4112,3822,3211,8441,8361,589
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Short-Term Borrowings
4.33218.07187.2178.842.11.11
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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
3.754.694.31.230.711.02
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Long-Term Debt
279.5926.7826.4317.399.880.01
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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
29.8622.4724.6511.811.3111.85
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Total Liabilities
2,7292,7262,6962,1331,9311,697
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Common Stock
5.265.215.164.434.394.35
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Additional Paid-In Capital
147.97144.98143.2380.9178.475.91
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Retained Earnings
205.54189.44172.98164.92146.01126.63
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Treasury Stock
-16.44-16.38-16.79-16.97-16.15-15.21
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Comprehensive Income & Other
-14.65-23.52-24.91-33.14-0.162.59
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Shareholders' Equity
327.68299.73279.67200.15212.49194.26
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Total Liabilities & Equity
3,0563,0262,9752,3332,1441,892
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Total Debt
283.92313.63341.15272.0279.3492.26
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Net Cash (Debt)
-241.54-257.24-270.57-223.16108.53-8.68
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Net Cash Per Share
-50.31-53.56-60.48-54.4826.44-2.17
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Filing Date Shares Outstanding
4.814.814.84.094.14.11
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Total Common Shares Outstanding
4.814.814.84.094.14.12
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Book Value Per Share
68.1862.3558.2448.9251.7747.13
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Tangible Book Value
239.55211.85191.21168.47180.66162.24
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Tangible Book Value Per Share
49.8444.0739.8241.1844.0139.36
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q