Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

77.52

+1.14 (1.49%)

At close: Jul 31, 2026, 4:00 PM EDT

77.80

+0.28 (0.36%)

After-hours: Jul 31, 2026, 7:58 PM EDT

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	Jun '26 Jun 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	39.43	34.29	42.2	52.82	26.21	172.83
Securities and Investments	496.57	450.38	431.48	423.61	447.77	425.7
Other Earning Assets	10.37	9.39	9.61	9.38	0.73	4.55
Net Loans	2,371	2,328	2,292	2,228	1,706	1,424
Net Property, Plant & Equipment	20.66	21	21.4	21.38	17.62	17.02
Accrued Interest and Accounts Receivable	10.92	10.7	10.31	11.04	7.33	5.24
Other Intangible Assets	1.93	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	74.47	51.5	50.34	49.9	39.36	38.5
Other Non-Earning Assets	80.55	71.51	80.2	90.1	55.29	22.79
Total Assets	3,192	3,065	3,026	2,975	2,333	2,144

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Interest-bearing deposits	1,899	1,860	1,849	1,798	1,448	1,478
Noninterest-bearing deposits	495.91	516.66	532.78	523.78	396.26	358.07
Total Deposits	2,395	2,377	2,382	2,321	1,844	1,836
Accrued Expenses	3.36	3.13	4.69	4.3	1.23	0.71
Long-Term Debt	394.02	309.45	297.72	322.04	257.28	73.98
Other Liabilities	47.36	36.96	41.55	47.84	30.53	20.53
Total Liabilities	2,839	2,727	2,726	2,696	2,133	1,931

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	5.26	5.26	5.21	5.16	4.43	4.39
Treasury Stock	-16.74	-16.42	-16.38	-16.79	-16.97	-16.15
Additional Paid-in Capital	148.34	147.97	144.98	143.23	80.91	78.4
Accumulated Other Comprehensive Income	-13.36	-12.38	-23.52	-24.91	-33.14	-0.16
Retained Earnings	229.33	213.62	189.44	172.98	164.92	146.01
Shareholders' Equity	352.83	338.05	299.73	279.67	200.15	212.49
Total Liabilities & Equity	3,192	3,065	3,026	2,975	2,333	2,144

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	394.02	309.45	297.72	322.04	257.28	73.98
Net Cash (Debt)	-394.02	-309.45	-297.72	-322.04	-257.28	-73.98
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-82.08	-64.47	-62.00	-71.94	-63.44	-18.39
Book Value	352.83	338.05	299.73	279.67	200.15	212.49
Book Value Per Share	73.50	70.43	62.42	62.48	49.35	52.82
Tangible Book Value	265.14	250.07	211.08	190.26	167.5	179.49
Tangible Book Value Per Share	55.23	52.10	43.96	42.50	41.30	44.61

SEC Filings: 10-K · 10-Q