Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
86.56
+1.69 (1.99%)
Nov 9, 2026, 10:25 AM EST - Market open
CZFS Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 | 27.36 | 34.29 | 42.2 | 52.82 | 26.21 | 172.83 |
Investment Securities | 483.6 | 272.37 | 292.81 | 332.8 | 348.5 | 325.23 |
Trading Asset Securities | 8.26 | 6.93 | 10.37 | 13.69 | 16.6 | 4.01 |
Mortgage-Backed Securities | - | 185.15 | 146.58 | 99.35 | 100.58 | 100.76 |
Total Investments | 491.86 | 464.44 | 449.76 | 445.84 | 465.67 | 430 |
Gross Loans | 2,388 | 2,351 | 2,313 | 2,249 | 1,725 | 1,442 |
Allowance for Loan Losses | -23.79 | -22.81 | -21.7 | -21.15 | -18.55 | -17.3 |
Net Loans | 2,364 | 2,328 | 2,292 | 2,228 | 1,706 | 1,424 |
Property, Plant & Equipment | 20.57 | 31.6 | 31.36 | 32.5 | 22.61 | 20.28 |
Goodwill | 85.76 | 85.76 | 85.76 | 85.76 | 31.38 | 31.38 |
Other Intangible Assets | 1.81 | 1.65 | 2.13 | 2.7 | 0.3 | 0.45 |
Loans Held for Sale | 257.84 | 9.39 | 9.61 | 9.38 | 0.73 | 4.55 |
Accrued Interest Receivable | 13.18 | 10.7 | 10.31 | 11.04 | 7.33 | 5.24 |
Long-Term Deferred Tax Assets | 14.53 | 11.44 | 15.2 | 17.34 | 12.89 | 4.08 |
Other Real Estate Owned & Foreclosed | 4.46 | 2.36 | 2.64 | 0.47 | 0.54 | 1.18 |
Other Long-Term Assets | 131.76 | 68.37 | 70.69 | 74.8 | 48.67 | 46.35 |
Total Assets | 3,413 | 3,065 | 3,026 | 2,975 | 2,333 | 2,144 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Accrued Expenses | - | 0.47 | 0.53 | 0.58 | 0.62 | 0.65 |
Interest Bearing Deposits | 1,999 | 1,722 | 1,658 | 1,703 | 1,392 | 1,398 |
Institutional Deposits | - | 138.37 | 191.02 | 94.81 | 56.29 | 79.61 |
Non-Interest Bearing Deposits | 509.9 | 516.66 | 532.78 | 523.78 | 396.26 | 358.07 |
Total Deposits | 2,509 | 2,377 | 2,382 | 2,321 | 1,844 | 1,836 |
Short-Term Borrowings | 5.49 | 270.9 | 218.07 | 187.2 | 178.84 | 2.1 |
Current Portion of Long-Term Debt | - | 15.5 | 58.69 | 76.04 | 60.78 | 54.1 |
Current Portion of Leases | - | 1.92 | - | - | - | - |
Accrued Interest Payable | 3.57 | 3.13 | 4.69 | 4.3 | 1.23 | 0.71 |
Long-Term Debt | 512.49 | 27.15 | 26.78 | 26.43 | 17.39 | 9.88 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | 40.29 | 10 | 10 |
Long-Term Leases | - | 8.86 | 10.1 | 11.19 | 5.02 | 3.27 |
Pension & Post-Retirement Benefits | - | 2.9 | 2.65 | 3.51 | 3.37 | 3.21 |
Other Long-Term Liabilities | 30.82 | 18.71 | 22.47 | 24.65 | 11.8 | 11.31 |
Total Liabilities | 3,062 | 2,727 | 2,726 | 2,696 | 2,133 | 1,931 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Common Stock | 5.27 | 5.26 | 5.21 | 5.16 | 4.43 | 4.39 |
Additional Paid-In Capital | 148.51 | 147.97 | 144.98 | 143.23 | 80.91 | 78.4 |
Retained Earnings | 238.8 | 213.62 | 189.44 | 172.98 | 164.92 | 146.01 |
Treasury Stock | -16.77 | -16.42 | -16.38 | -16.79 | -16.97 | -16.15 |
Comprehensive Income & Other | -24.52 | -12.38 | -23.52 | -24.91 | -33.14 | -0.16 |
Shareholders' Equity | 351.29 | 338.05 | 299.73 | 279.67 | 200.15 | 212.49 |
Total Liabilities & Equity | 3,413 | 3,065 | 3,026 | 2,975 | 2,333 | 2,144 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Total Debt | 517.98 | 324.33 | 313.63 | 341.15 | 272.02 | 79.34 |
Net Cash (Debt) | -479.29 | -279.29 | -257.24 | -270.57 | -223.16 | 108.53 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -99.82 | -58.18 | -53.57 | -60.45 | -54.48 | 26.44 |
Filing Date Shares Outstanding | 4.81 | 4.81 | 4.81 | 4.8 | 4.09 | 4.1 |
Total Common Shares Outstanding | 4.81 | 4.81 | 4.81 | 4.8 | 4.09 | 4.1 |
Book Value Per Share | 73.02 | 70.32 | 62.35 | 58.24 | 48.92 | 51.77 |
Tangible Book Value | 263.72 | 250.64 | 211.85 | 191.21 | 168.47 | 180.66 |
Tangible Book Value Per Share | 54.82 | 52.14 | 44.07 | 39.82 | 41.18 | 44.01 |