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 Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Income | 36.57 | 27.82 | 17.81 | 29.06 | 29.12 |
Depreciation & Amortization | 2.1 | 1.81 | 1.52 | 1.03 | 1.11 |
Gain (Loss) on Sale of Assets | - | -1.1 | - | - | - |
Gain (Loss) on Sale of Investments | 0.55 | 1.23 | 1.78 | 2.15 | 1.66 |
Provision for Credit Losses | 2.38 | 2.59 | 5.53 | 1.68 | 1.55 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 2.43 | 1.99 | 3.46 | 3.98 | 10.95 |
Accrued Interest Receivable | -0.39 | 0.74 | -1.49 | -2.1 | 0.76 |
Other Operating Activities | -0.07 | 2.82 | 0.01 | -1.22 | -0.96 |
Operating Cash Flow | 36.53 | 33.18 | 26.54 | 33.24 | 38.69 |
Operating Cash Flow Growth | 10.10% | 25.04% | -20.16% | -14.09% | 227.30% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -1.3 | -1.31 | -2.62 | -1.63 | -1.11 |
Sale of Property, Plant and Equipment | 0.01 | 7.19 | - | - | - |
Cash Acquisitions | - | - | 4.91 | - | - |
Investment in Securities | -3.6 | -6.98 | 103.91 | -73.22 | -123.77 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -33.48 | -70.25 | -43.95 | -281.39 | -32.11 |
Other Investing Activities | -1.71 | 2.28 | -2.78 | -6.21 | -1.25 |
Investing Cash Flow | -40.08 | -69.07 | 59.47 | -362.45 | -158.23 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Short-Term Debt Issued | 52.71 | 9.28 | - | 188.01 | 2.06 |
Long-Term Debt Issued | - | - | 40 | - | 9.87 |
Total Debt Issued | 52.71 | 9.28 | 40 | 188.01 | 11.93 |
Short-Term Debt Repaid | - | - | -34.57 | - | - |
Long-Term Debt Repaid | -42 | -35 | - | -4.73 | -26.8 |
Total Debt Repaid | -42 | -35 | -34.57 | -4.73 | -26.8 |
Net Debt Issued (Repaid) | 10.71 | -25.72 | 5.43 | 183.29 | -14.87 |
Issuance of Common Stock | 0.07 | 0.02 | 0.03 | 0.11 | - |
Repurchase of Common Stock | -0.55 | -0.27 | -0.27 | -1.28 | -1.37 |
Common Dividends Paid | -9.55 | -9.3 | -8.5 | -7.59 | -7.38 |
Net Increase (Decrease) in Deposit Accounts | -5.05 | 60.55 | -56.09 | 8.06 | 247.29 |
Financing Cash Flow | -4.37 | 25.28 | -59.4 | 182.59 | 223.67 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Cash Flow | -7.91 | -10.62 | 26.61 | -146.62 | 104.13 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Free Cash Flow | 35.24 | 31.87 | 23.92 | 31.61 | 37.59 |
Free Cash Flow Growth | 10.57% | 33.23% | -24.32% | -15.92% | 245.48% |
Free Cash Flow Margin | 32.04% | 32.10% | 27.71% | 39.47% | 49.72% |
Free Cash Flow Per Share | 7.34 | 6.64 | 5.34 | 7.72 | 9.16 |