Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
62.70
-2.05 (-3.17%)
At close: Feb 11, 2026, 4:00 PM EST
63.92
+1.22 (1.95%)
After-hours: Feb 11, 2026, 7:00 PM EST

CZFS Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
-27.8217.8129.0629.12
Depreciation & Amortization
-1.811.521.031.11
Gain (Loss) on Sale of Assets
--1.1---
Gain (Loss) on Sale of Investments
-1.231.782.151.66
Provision for Credit Losses
-2.595.531.681.55
Net Decrease (Increase) in Loans Originated / Sold - Operating
-1.993.463.9810.95
Accrued Interest Receivable
-0.74-1.49-2.10.76
Other Operating Activities
-2.820.01-1.22-0.96
Operating Cash Flow
-33.1826.5433.2438.69
Operating Cash Flow Growth
-25.04%-20.16%-14.09%227.30%
Capital Expenditures
--1.31-2.62-1.63-1.11
Sale of Property, Plant and Equipment
-7.19---
Cash Acquisitions
--4.91--
Investment in Securities
--6.98103.91-73.22-123.77
Net Decrease (Increase) in Loans Originated / Sold - Investing
--70.25-43.95-281.39-32.11
Other Investing Activities
-2.28-2.78-6.21-1.25
Investing Cash Flow
--69.0759.47-362.45-158.23
Short-Term Debt Issued
-9.28-188.012.06
Long-Term Debt Issued
--40-9.87
Total Debt Issued
-9.2840188.0111.93
Short-Term Debt Repaid
---34.57--
Long-Term Debt Repaid
--35--4.73-26.8
Total Debt Repaid
--35-34.57-4.73-26.8
Net Debt Issued (Repaid)
--25.725.43183.29-14.87
Issuance of Common Stock
-0.020.030.11-
Repurchase of Common Stock
--0.27-0.27-1.28-1.37
Common Dividends Paid
--9.3-8.5-7.59-7.38
Net Increase (Decrease) in Deposit Accounts
-60.55-56.098.06247.29
Financing Cash Flow
-25.28-59.4182.59223.67
Net Cash Flow
--10.6226.61-146.62104.13
Free Cash Flow
-31.8723.9231.6137.59
Free Cash Flow Growth
-33.23%-24.32%-15.92%245.48%
Free Cash Flow Margin
-32.10%27.71%39.47%49.72%
Free Cash Flow Per Share
-6.645.357.729.16
Cash Interest Paid
-67.4744.6810.77.41
Cash Income Tax Paid
-2.55.16.65.5
Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q