Citizens Financial Services, Inc. (CZFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$82.92-0.80%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · CZFS
Income statement, balance sheet, and cash flow — annual and quarterly history, as reported.
Figures in millions of USD, except per-share and ratios.
| TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | ||||||||||||||||
| Revenues | 9.9 | 9.9 | 9.6 | 9.0 | 8.6 | 7.7 | 6.7 | 6.9 | 6.5 | 48.1 | 43.0 | 35.7 | 35.3 | 36.2 | 38.1 | 38.3 |
| Total Revenues | 161.2 | 159.2 | 154.3 | 127.1 | 83.4 | 73.2 | 70.3 | 62.0 | 56.8 | 48.1 | 43.0 | 35.7 | 35.3 | 36.2 | 38.1 | 38.3 |
| Operating Expenses & Income | ||||||||||||||||
| Operating Income | — | — | — | 21.6 | 35.5 | 35.3 | 30.4 | 23.3 | 21.4 | 19.1 | 15.7 | 14.3 | 16.9 | 17.1 | 18.5 | 16.4 |
| Earnings from Continuing Operations | ||||||||||||||||
| Interest Expense | — | — | — | 46.9 | 11.2 | 7.1 | 8.1 | 12.0 | 9.6 | 5.8 | 5.0 | 4.8 | 5.0 | 6.3 | 7.7 | 9.7 |
| EBT, Incl. Unusual Items | 50.4 | 45.2 | 33.7 | 21.6 | 35.5 | 35.3 | 30.4 | 23.3 | 21.4 | 19.1 | 15.7 | 14.3 | 16.9 | 17.1 | 18.5 | 16.4 |
| Income Tax Expense | 9.4 | 8.7 | 5.9 | 3.8 | 6.4 | 6.2 | 5.3 | 3.8 | 3.4 | 6.0 | 3.0 | 2.7 | 3.6 | 3.8 | 4.3 | 3.6 |
| Net Income | ||||||||||||||||
| Net Income | 41.1 | 36.6 | 27.8 | 17.8 | 29.1 | 29.1 | 25.1 | 19.5 | 18.0 | 13.0 | 12.6 | 11.6 | 13.4 | 13.4 | 14.2 | 12.8 |
| Per Share | ||||||||||||||||
| Basic EPS | 8.56 | 7.62 | 5.86 | 3.98 | 7.17 | 7.24 | 6.46 | 5.42 | 5.04 | 3.67 | 3.57 | 3.60 | 4.36 | 4.38 | 4.61 | 4.16 |
| Diluted EPS | 8.55 | 7.62 | 5.85 | 3.98 | 7.17 | 7.24 | 6.46 | 5.41 | 5.04 | 3.67 | 3.57 | 3.60 | 4.36 | 4.38 | 4.60 | — |
| Revenue per Share | 33.57 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividend per Share | — | 1.98 | 1.95 | 1.90 | 1.86 | 1.83 | 1.88 | 1.74 | 1.71 | 1.64 | 1.57 | 1.63 | 2.15 | 1.21 | 1.49 | 1.09 |
| Basic Weighted Avg Shares | 4.8 | 4.8 | 4.8 | 4.5 | 4.1 | 4.0 | 3.9 | 3.6 | 3.6 | 3.6 | 3.5 | 3.2 | 3.1 | 3.1 | 3.1 | — |
| Diluted Weighted Avg Shares | 4.8 | 4.8 | 4.8 | 4.5 | 4.1 | 4.0 | 3.9 | 3.6 | 3.6 | 3.6 | 3.5 | 3.2 | 3.1 | 3.1 | 3.1 | — |
| Supplemental | ||||||||||||||||
| EBITDA | — | — | — | 23.1 | 36.5 | 36.4 | 31.5 | 24.4 | 21.8 | 19.3 | 16.0 | 14.8 | 17.4 | 17.6 | 19.0 | 16.9 |
| EBIT | — | — | — | 21.6 | 35.5 | 35.3 | 30.4 | 23.3 | 21.4 | 19.1 | 15.7 | 14.3 | 16.9 | 17.1 | 18.5 | 16.4 |
| Effective Tax Rate | 18.6% | — | — | 17.4% | 18.1% | 17.6% | 17.3% | 16.4% | 15.9% | 31.6% | 19.4% | 19.0% | 21.0% | 21.9% | 23.4% | 22.0% |
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.