Citizens Financial Services, Inc. (CZFS)

CZFS Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	98	86.46	80.26	72.13	66.11
Net Interest Income Growth	13.36%	7.72%	11.27%	9.11%	6.30%
Non-Interest Income	14.34	15.4	11.61	9.74	12.31
Non-Interest Income Growth	-6.86%	32.71%	19.17%	-20.86%	7.73%
Revenues Before Loan Losses	112.35	101.86	91.87	81.87	78.42
Provision for Credit Losses	2.38	2.59	0.94	1.68	1.55
Revenue	109.97	99.27	90.93	80.19	76.87
Revenue Growth (YoY)	10.78%	9.17%	13.39%	4.32%	7.94%
Compensation Expenses	39.4	39.35	34.99	27.84	25.9
Selling, General & Admin	8.85	8.65	6.91	5.34	5.01
Other Non-Interest Expenses	16.48	17.39	27.46	11.51	10.64
Total Non-Interest Expense	64.73	65.39	64.76	44.69	41.55
Pretax Income	45.24	33.88	21.58	35.5	35.32
Provision for Income Taxes	8.67	6.07	3.76	6.44	6.2
Net Income	36.57	27.82	17.81	29.06	29.12
Net Income to Common	36.57	27.82	17.81	29.06	29.12
Net Income Growth	31.47%	56.18%	-38.71%	-0.20%	15.99%
Shares Outstanding (Basic)	5	5	4	4	4
Shares Outstanding (Diluted)	5	5	4	4	4
Shares Change (YoY)	-0.04%	7.28%	10.37%	0.80%	3.56%
EPS (Basic)	7.62	5.80	3.98	7.17	7.24
EPS (Diluted)	7.62	5.79	3.98	7.17	7.24
EPS Growth	31.61%	45.48%	-44.49%	-0.97%	12.07%
Shares Outstanding	4.81	4.76	4.75	3.97	3.92
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 Per Share	7.34	6.64	5.34	7.79	9.34
Dividends Per Share	1.980	1.931	1.899	1.843	1.794
Dividend Growth	2.54%	1.69%	3.06%	2.71%	3.88%
Profit Margin	33.26%	28.02%	19.59%	36.24%	37.88%
FCF Margin	32.04%	32.10%	26.31%	39.41%	48.90%
EBITDA	2.1	1.81	1.52	1.03	1.11
EBITDA Margin	1.91%	1.82%	1.67%	1.29%	1.45%
Effective Tax Rate	19.16%	17.90%	17.45%	18.13%	17.55%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q