Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
63.72
-1.31 (-2.01%)
Jun 2, 2026, 2:16 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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Net Income | 39.33 | 36.57 | 27.82 | 17.81 | 29.06 | 29.12 |
Depreciation & Amortization | 2.13 | 2.1 | 1.81 | 1.52 | 1.03 | 1.11 |
Provision for Credit Losses | 2.25 | 2.38 | 2.59 | 5.53 | 1.68 | 1.55 |
Stock-Based Compensation | 0.62 | 0.63 | 0.41 | 0.31 | 0.34 | 0.61 |
Net Change in Loans Held-for-Sale | 2.38 | 2.43 | 1.99 | 3.46 | 3.98 | 10.95 |
Other Adjustments | -6.75 | -6.19 | -5.29 | -3.45 | -0.95 | -5.29 |
Changes in Accrued Interest and Accounts Receivable | -0.02 | -0.39 | 0.74 | -1.49 | -2.1 | 0.76 |
Changes in Accounts Payable | 0.61 | -1.56 | 0.4 | 2.18 | 0.52 | -0.31 |
Changes in Other Operating Activities | 3.07 | 0.57 | 2.73 | 0.67 | -0.33 | 0.18 |
Operating Cash Flow | 43.61 | 36.53 | 33.18 | 26.54 | 33.24 | 38.69 |
Operating Cash Flow Growth | 42.18% | 10.10% | 25.04% | -20.16% | -14.09% | 227.30% |
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements | - | - | 0.25 | 1.99 | 4.97 | 2.73 |
Net Change in Loans Held-for-Investment | 20.95 | -33.48 | -70.25 | -43.95 | -281.39 | -32.11 |
Net Change in Securities and Investments | -9.98 | -3.6 | -7.23 | 103.39 | -77.1 | -126.5 |
Payments for Business Acquisitions | - | - | - | 4.91 | - | - |
Proceeds from Business Divestments | - | - | 7.19 | - | - | - |
Capital Expenditures | -0.84 | -1.3 | -1.31 | -2.62 | -1.63 | -1.11 |
Sale of Property, Plant & Equipment | - | 0.01 | - | - | - | - |
Other Investing Activities | -19.55 | -1.71 | 2.28 | -4.25 | -7.33 | -1.25 |
Investing Cash Flow | -9.41 | -40.08 | -69.07 | 59.47 | -362.45 | -158.23 |
Net Change in Deposits | 76.33 | -5.05 | 60.55 | -56.09 | 8.06 | 247.29 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -62.04 | 52.71 | 9.28 | -34.57 | 188.01 | 2.06 |
Long-Term Debt Issued | - | - | - | 40 | - | 9.87 |
Long-Term Debt Repaid | -37 | -42 | -35 | - | -4.73 | -26.8 |
Net Long-Term Debt Issued (Repaid) | -37 | -42 | -35 | 40 | -4.73 | -16.93 |
Issuance of Common Stock | 0.07 | 0.07 | 0.02 | 0.03 | 0.11 | - |
Repurchase of Common Stock | -0.46 | -0.55 | -0.27 | -0.27 | -1.28 | -1.37 |
Net Common Stock Issued (Repurchased) | -0.39 | -0.48 | -0.25 | -0.23 | -1.17 | -1.37 |
Common Dividends Paid | -9.6 | -9.55 | -9.3 | -8.5 | -7.59 | -7.38 |
Financing Cash Flow | -37.88 | -4.37 | 25.28 | -59.4 | 182.59 | 223.67 |
Net Cash Flow | -3.68 | -7.91 | -10.62 | 26.61 | -146.62 | 104.13 |
Free Cash Flow | 42.77 | 35.24 | 31.87 | 23.92 | 31.61 | 37.59 |
Free Cash Flow Growth | 21.38% | 10.57% | 33.23% | -24.32% | -15.92% | 245.48% |
FCF Margin | 37.69% | 32.04% | 32.10% | 26.31% | 39.41% | 48.90% |
Free Cash Flow Per Share | 8.91 | 7.34 | 6.64 | 5.34 | 7.79 | 9.34 |
Levered Free Cash Flow | -13.59 | -6.01 | -2.83 | 58.08 | 21.83 | 12.83 |
Unlevered Free Cash Flow | 4.94 | -0.58 | 4.36 | 0.27 | -2.51 | 0.65 |