Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
61.21
+2.49 (4.24%)
At close: Jul 1, 2025, 4:00 PM
61.45
+0.24 (0.39%)
After-hours: Jul 1, 2025, 4:00 PM EDT
CZFS Income 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 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '25 Mar 31, 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 | 2015 - 2019 |
Interest Income on Loans | 143.11 | 142.69 | 116.08 | 74.27 | 66.37 | 63.54 | Upgrade
|
Interest Income on Investments | 12.29 | 11.63 | 11.04 | 9.09 | 6.85 | 6.76 | Upgrade
|
Total Interest Income | 155.4 | 154.32 | 127.12 | 83.36 | 73.22 | 70.3 | Upgrade
|
Interest Paid on Deposits | 52.3 | 52.33 | 31.7 | 7.32 | 5.84 | 6.85 | Upgrade
|
Interest Paid on Borrowings | 14.6 | 15.54 | 15.16 | 3.91 | 1.27 | 1.25 | Upgrade
|
Total Interest Expense | 66.9 | 67.86 | 46.86 | 11.22 | 7.11 | 8.11 | Upgrade
|
Net Interest Income | 88.5 | 86.46 | 80.26 | 72.13 | 66.11 | 62.19 | Upgrade
|
Net Interest Income Growth (YoY) | 6.45% | 7.72% | 11.27% | 9.11% | 6.30% | 24.53% | Upgrade
|
Trust Income | 0.8 | 0.82 | 0.76 | 0.8 | 0.87 | 0.8 | Upgrade
|
Gain (Loss) on Sale of Assets | - | 1.1 | - | - | - | - | Upgrade
|
Gain (Loss) on Sale of Investments | 0.08 | 0.15 | -0.2 | -0.37 | 0.44 | 0.16 | Upgrade
|
Other Non-Interest Income | 10.81 | 11.02 | 9.58 | 8.94 | 8.45 | 8.19 | Upgrade
|
Total Non-Interest Income | 13.86 | 15.4 | 11.61 | 9.63 | 11.04 | 11.31 | Upgrade
|
Non-Interest Income Growth (YoY) | -3.78% | 32.71% | 20.51% | -12.79% | -2.40% | 36.68% | Upgrade
|
Revenues Before Loan Losses | 102.36 | 101.86 | 91.87 | 81.76 | 77.15 | 73.51 | Upgrade
|
Provision for Loan Losses | 2.43 | 2.59 | 5.53 | 1.68 | 1.55 | 2.4 | Upgrade
|
| 99.93 | 99.27 | 86.34 | 80.08 | 75.6 | 71.11 | Upgrade
| |
Revenue Growth (YoY) | 9.54% | 14.98% | 7.81% | 5.92% | 6.33% | 25.75% | Upgrade
|
Salaries and Employee Benefits | 38.93 | 38.94 | 34.68 | 27.5 | 25.29 | 23.72 | Upgrade
|
Occupancy Expenses | 2.81 | 2.81 | 2.55 | 2.35 | 2.23 | 1.94 | Upgrade
|
Federal Deposit Insurance | 1.92 | 2 | 1.48 | 0.68 | 0.52 | 0.48 | Upgrade
|
Amortization of Goodwill & Intangibles | 0.54 | 0.56 | 0.37 | 0.16 | 0.19 | 0.22 | Upgrade
|
Selling, General & Administrative | 8.01 | 8.21 | 6.45 | 4.78 | 4.72 | 4.52 | Upgrade
|
Other Non-Interest Expense | 12.82 | 12.86 | 9.86 | 8.82 | 8.06 | 7.24 | Upgrade
|
Total Non-Interest Expense | 65.37 | 65.59 | 55.55 | 44.29 | 41.44 | 38.56 | Upgrade
|
EBT Excluding Unusual Items | 34.56 | 33.68 | 30.78 | 35.79 | 34.16 | 32.55 | Upgrade
|
Pretax Income | 34.56 | 33.68 | 21.52 | 35.5 | 35.32 | 30.37 | Upgrade
|
Income Tax Expense | 6.14 | 5.87 | 3.7 | 6.44 | 6.2 | 5.26 | Upgrade
|
Net Income | 28.42 | 27.82 | 17.81 | 29.06 | 29.12 | 25.1 | Upgrade
|
Net Income to Common | 28.42 | 27.82 | 17.81 | 29.06 | 29.12 | 25.1 | Upgrade
|
Net Income Growth | 58.14% | 56.18% | -38.71% | -0.20% | 15.99% | 28.80% | Upgrade
|
Basic Shares Outstanding | 5 | 5 | 4 | 4 | 4 | 4 | Upgrade
|
Diluted Shares Outstanding | 5 | 5 | 4 | 4 | 4 | 4 | Upgrade
|
Shares Change (YoY) | 3.28% | 7.36% | 9.21% | -0.20% | 2.54% | 6.85% | Upgrade
|
EPS (Basic) | 5.92 | 5.80 | 3.98 | 7.09 | 7.09 | 6.27 | Upgrade
|
EPS (Diluted) | 5.91 | 5.79 | 3.98 | 7.09 | 7.09 | 6.27 | Upgrade
|
EPS Growth | 53.00% | 45.52% | -43.90% | -0.00% | 13.15% | 20.60% | Upgrade
|
Dividend Per Share | 1.941 | 1.931 | 1.901 | 1.843 | 1.794 | 1.727 | Upgrade
|
Dividend Growth | 1.57% | 1.56% | 3.17% | 2.71% | 3.88% | 3.45% | Upgrade
|
Effective Tax Rate | 17.78% | 17.41% | 17.22% | 18.13% | 17.55% | 17.33% | Upgrade
|
Updated Apr 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.