Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
61.30
+0.59 (0.97%)
Mar 3, 2026, 4:00 PM EST - Market closed
CZFS Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Net Income | 34.07 | 27.82 | 17.81 | 29.06 | 29.12 | 25.1 |
Depreciation & Amortization | 1.84 | 1.81 | 1.52 | 1.03 | 1.11 | 1.14 |
Provision for Credit Losses | 1.78 | 2.59 | 5.53 | 1.68 | 1.55 | 2.4 |
Stock-Based Compensation | 0.5 | 0.41 | 0.31 | 0.34 | 0.61 | 0.47 |
Net Change in Loans Held-for-Sale | 2.34 | 1.99 | 3.46 | 3.98 | 10.95 | -12.22 |
Other Adjustments | -4.77 | -5.29 | -3.45 | -0.95 | -5.29 | -5.57 |
Changes in Accrued Interest and Accounts Receivable | -0.61 | 0.74 | -1.49 | -2.1 | 0.76 | -0.86 |
Changes in Accounts Payable | -1.8 | 0.4 | 2.18 | 0.52 | -0.31 | -0.24 |
Changes in Other Operating Activities | -3.25 | 2.73 | 0.67 | -0.33 | 0.18 | 1.58 |
Operating Cash Flow | 30.29 | 33.18 | 26.54 | 33.24 | 38.69 | 11.82 |
Operating Cash Flow Growth | -22.16% | 25.04% | -20.16% | -14.09% | 227.30% | -45.69% |
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements | - | 0.25 | 1.99 | 4.97 | 2.73 | 0.5 |
Net Change in Loans Held-for-Investment | -1.31 | -70.25 | -43.95 | -281.39 | -32.11 | -63.44 |
Net Change in Securities and Investments | -27.3 | -7.23 | 103.39 | -77.1 | -126.5 | -51.74 |
Payments for Business Acquisitions | - | - | 4.91 | - | - | 1.02 |
Proceeds from Business Divestments | - | 7.19 | - | - | - | - |
Capital Expenditures | -1.69 | -1.31 | -2.62 | -1.63 | -1.11 | -0.94 |
Sale of Property, Plant & Equipment | 0.02 | - | - | - | - | - |
Other Investing Activities | -3.19 | 2.28 | -4.25 | -7.33 | -1.25 | 3.86 |
Investing Cash Flow | -33.75 | -69.07 | 59.47 | -362.45 | -158.23 | -110.73 |
Net Change in Deposits | -38.95 | 60.55 | -56.09 | 8.06 | 247.29 | 168.91 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | 108.57 | 9.28 | -34.57 | 188.01 | 2.06 | -16.28 |
Long-Term Debt Issued | - | - | 40 | - | 9.87 | 20 |
Long-Term Debt Repaid | -62 | -35 | - | -4.73 | -26.8 | -15 |
Net Long-Term Debt Issued (Repaid) | -62 | -35 | 40 | -4.73 | -16.93 | 5 |
Issuance of Common Stock | 0.06 | 0.02 | 0.03 | 0.11 | - | 0.13 |
Repurchase of Common Stock | -0.37 | -0.27 | -0.27 | -1.28 | -1.37 | -2.12 |
Net Common Stock Issued (Repurchased) | -0.31 | -0.25 | -0.23 | -1.17 | -1.37 | -2 |
Common Dividends Paid | -9.48 | -9.3 | -8.5 | -7.59 | -7.38 | -6.54 |
Financing Cash Flow | -2.22 | 25.28 | -59.4 | 182.59 | 223.67 | 149.1 |
Net Cash Flow | -5.69 | -10.62 | 26.61 | -146.62 | 104.13 | 50.19 |
Free Cash Flow | 28.6 | 31.87 | 23.92 | 31.61 | 37.59 | 10.88 |
Free Cash Flow Growth | -10.26% | 33.23% | -24.32% | -15.92% | 245.48% | -48.88% |
FCF Margin | 27.16% | 32.96% | 28.01% | 40.26% | 49.91% | 15.81% |
Free Cash Flow Per Share | 5.97 | 6.64 | 5.40 | 7.79 | 9.34 | 2.80 |
Levered Free Cash Flow | -33.43 | -2.83 | 58.08 | 21.83 | 12.83 | 30.79 |
Unlevered Free Cash Flow | -5.5 | 4.36 | 0.27 | -2.51 | 0.65 | 0.68 |
Updated Nov 6, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.