Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
54.35
-1.92 (-3.41%)
Oct 10, 2025, 2:47 PM EDT - Market open
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 | 2005 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 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 | 2005 - 2019 |
Net Income | 31.6 | 27.82 | 17.81 | 29.06 | 29.12 | 25.1 | Upgrade |
Depreciation & Amortization | 0.18 | -0.01 | -0.02 | 0.97 | -1.21 | -1.67 | Upgrade |
Provision for Credit Losses | - | 2.59 | 5.53 | 1.68 | 1.55 | 2.4 | Upgrade |
Stock-Based Compensation | 0.49 | 0.41 | 0.31 | 0.34 | 0.61 | 0.47 | Upgrade |
Net Change in Loans Held-for-Sale | 1.05 | 1.99 | 3.46 | 3.98 | 10.95 | -12.22 | Upgrade |
Other Adjustments | 1.71 | -0.74 | -1.25 | -1.22 | -2.79 | -1.18 | Upgrade |
Changes in Accrued Interest and Accounts Receivable | 0.18 | 0.74 | -1.49 | -2.1 | 0.76 | -0.86 | Upgrade |
Changes in Accrued Expenses | -2.74 | 0.4 | 2.18 | 0.52 | -0.31 | -0.24 | Upgrade |
Operating Cash Flow | 33.63 | 33.18 | 26.54 | 33.24 | 38.69 | 11.82 | Upgrade |
Operating Cash Flow Growth | -16.16% | 25.04% | -20.16% | -14.09% | 227.30% | -45.69% | Upgrade |
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements | - | 0.25 | 1.99 | 4.97 | 2.73 | 0.5 | Upgrade |
Net Change in Loans Held-for-Investment | 16.38 | -70.25 | -43.95 | -281.39 | -32.11 | -63.44 | Upgrade |
Net Change in Securities and Investments | -24.18 | -6.76 | 99.18 | -84.43 | -125.2 | -49.68 | Upgrade |
Payments for Business Acquisitions | - | - | 4.91 | - | - | 1.02 | Upgrade |
Proceeds from Business Divestments | - | 7.19 | - | - | - | - | Upgrade |
Capital Expenditures | -2.17 | -1.31 | -2.62 | -1.63 | -1.11 | -0.94 | Upgrade |
Other Investing Activities | - | 1.81 | -0.04 | 0 | -2.55 | 1.81 | Upgrade |
Investing Cash Flow | -9.25 | -69.07 | 59.47 | -362.45 | -158.23 | -110.73 | Upgrade |
Net Change in Deposits | 19.57 | 60.55 | -56.09 | 8.06 | 247.29 | 168.91 | Upgrade |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | 16.94 | 9.28 | -34.57 | 188.01 | 2.06 | -16.28 | Upgrade |
Long-Term Debt Issued | - | - | 40 | - | 9.87 | 20 | Upgrade |
Long-Term Debt Repaid | -40 | -35 | - | -4.73 | -26.8 | -15 | Upgrade |
Net Long-Term Debt Issued (Repaid) | -40 | -35 | 40 | -4.73 | -16.93 | 5 | Upgrade |
Issuance of Common Stock | - | 0.02 | 0.03 | 0.11 | - | 0.13 | Upgrade |
Repurchase of Common Stock | -0.28 | -0.27 | -0.27 | -1.28 | -1.37 | -2.12 | Upgrade |
Net Common Stock Issued (Repurchased) | -0.28 | -0.25 | -0.23 | -1.17 | -1.37 | -2 | Upgrade |
Common Dividends Paid | -9.41 | -9.3 | -8.5 | -7.59 | -7.38 | -6.54 | Upgrade |
Financing Cash Flow | -13.33 | 25.28 | -59.4 | 182.59 | 223.67 | 149.1 | Upgrade |
Net Cash Flow | 11.05 | -10.62 | 26.61 | -146.62 | 104.13 | 50.19 | Upgrade |
Beginning Cash & Cash Equivalents | 38.43 | 52.82 | 26.21 | 172.83 | 68.71 | 18.52 | Upgrade |
Ending Cash & Cash Equivalents | 49.48 | 42.2 | 52.82 | 26.21 | 172.83 | 68.71 | Upgrade |
Free Cash Flow | 31.47 | 31.87 | 23.92 | 31.61 | 37.59 | 10.88 | Upgrade |
Free Cash Flow Growth | -1.26% | 33.23% | -24.32% | -15.92% | 245.48% | -48.88% | Upgrade |
FCF Margin | 29.96% | 32.96% | 29.60% | 40.26% | 49.91% | 15.81% | Upgrade |
Free Cash Flow Per Share | 6.60 | 6.70 | 5.40 | 7.79 | 9.34 | 2.80 | Upgrade |
Levered Free Cash Flow | -12.95 | -7.37 | 55.87 | 22.1 | 10.33 | 26.4 | Upgrade |
Unlevered Free Cash Flow | -4.55 | -0.19 | -1.94 | -2.24 | -1.85 | -3.7 | Upgrade |
Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.