Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

63.13

-0.04 (-0.06%)

At close: May 12, 2026, 4:00 PM EDT

64.07

+0.93 (1.48%)

After-hours: May 12, 2026, 4:10 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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	33.11	34.29	42.2	52.82	26.21	172.83
Securities and Investments	453.94	450.38	431.48	423.61	447.77	425.7
Other Earning Assets	5.87	9.39	9.61	9.38	0.73	4.55
Net Loans	2,275	2,328	2,292	2,228	1,706	1,424
Net Property, Plant & Equipment	20.72	21	21.4	21.38	17.62	17.02
Accrued Interest and Accounts Receivable	10.94	10.7	10.31	11.04	7.33	5.24
Other Intangible Assets	2.07	2.22	2.89	3.65	1.27	1.63
Goodwill	85.76	85.76	85.76	85.76	31.38	31.38
Long-Term Investments	74.07	51.5	50.34	49.9	39.36	38.5
Other Non-Earning Assets	64.67	71.51	80.2	90.1	55.29	22.79
Total Assets	3,026	3,065	3,026	2,975	2,333	2,144
Interest-bearing deposits	1,932	1,860	1,849	1,798	1,448	1,478
Noninterest-bearing deposits	509.64	516.66	532.78	523.78	396.26	358.07
Total Deposits	2,441	2,377	2,382	2,321	1,844	1,836
Accrued Expenses	3.75	3.13	4.69	4.3	1.23	0.71
Long-Term Debt	198.74	309.45	297.72	322.04	257.28	73.98
Other Liabilities	39.23	36.96	41.55	47.84	30.53	20.53
Total Liabilities	2,683	2,727	2,726	2,696	2,133	1,931
Common Stock	5.26	5.26	5.21	5.16	4.43	4.39
Treasury Stock	-16.58	-16.42	-16.38	-16.79	-16.97	-16.15
Additional Paid-in Capital	147.99	147.97	144.98	143.23	80.91	78.4
Accumulated Other Comprehensive Income	-14.68	-12.38	-23.52	-24.91	-33.14	-0.16
Retained Earnings	221.6	213.62	189.44	172.98	164.92	146.01
Shareholders' Equity	343.58	338.05	299.73	279.67	200.15	212.49
Total Liabilities & Equity	3,026	3,065	3,026	2,975	2,333	2,144
Total Debt	198.74	309.45	297.72	322.04	257.28	73.98
Net Cash (Debt)	-198.74	-309.45	-297.72	-322.04	-257.28	-73.98
Net Cash Per Share	-41.41	-64.47	-62.00	-71.94	-63.44	-18.39
Book Value	343.58	338.05	299.73	279.67	200.15	212.49
Book Value Per Share	71.58	70.43	62.42	62.48	49.35	52.82
Tangible Book Value	255.75	250.07	211.08	190.26	167.5	179.49
Tangible Book Value Per Share	53.28	52.10	43.96	42.50	41.30	44.61

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q