US Stock MarketDetailed Quotes

Citizens Financial Services (CZFS)

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  • 68.350
  • +3.550+5.48%
Close Apr 17 16:00 ET
  • 68.350
  • 0.0000.00%
Post 16:10 ET
328.57MMarket Cap8.97P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Citizens Financial Services (CZFS) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(FY)Dec 31, 2025
(Q4)Dec 31, 2025
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
Total revenue
11.50%112.35M
12.96%29.61M
15.61%28.99M
10.87%27.31M
6.45%26.43M
9.68%100.75M
3.42%26.21M
-3.79%25.08M
21.95%24.64M
22.58%24.83M
Net interest income
13.42%96.3M
14.60%25.79M
17.99%24.7M
11.14%23.24M
9.81%22.57M
7.68%84.91M
4.89%22.5M
-4.94%20.94M
18.74%20.91M
15.71%20.56M
-Net interest income
3.08%157.47M
3.31%40.73M
3.96%39.82M
2.21%38.34M
2.81%38.59M
21.52%152.77M
3.45%39.42M
5.48%38.3M
41.56%37.51M
51.38%37.53M
-Interest income from loans and lease
1.22%144.43M
1.64%37.23M
1.56%36.42M
0.46%35.23M
1.20%35.56M
22.93%142.69M
2.79%36.63M
6.18%35.86M
45.40%35.07M
55.81%35.13M
-Interest income from deposits
-41.01%502K
-30.77%108K
-37.37%119K
-49.62%132K
-41.15%143K
15.63%851K
-43.07%156K
-28.03%190K
106.30%262K
242.25%243K
-Interest income from securities
35.85%12.54M
28.60%3.39M
45.54%3.28M
36.56%2.98M
33.86%2.89M
3.69%9.23M
19.93%2.64M
-0.92%2.25M
-3.19%2.18M
-0.78%2.16M
-Total interest expense
-9.87%61.17M
-11.70%14.94M
-12.96%15.11M
-9.04%15.1M
-5.67%16.01M
44.82%67.86M
1.58%16.92M
21.56%17.37M
86.77%16.6M
141.57%16.98M
-Interest expense for deposit
-10.08%47.05M
-14.91%11.81M
-14.65%11.5M
-9.53%11.45M
-0.22%12.29M
65.07%52.33M
13.92%13.88M
33.42%13.48M
130.93%12.66M
212.80%12.32M
-Interest expense for long term debt and capital securities
-9.13%14.12M
2.92%3.13M
-7.12%3.61M
-7.47%3.65M
-20.11%3.72M
2.49%15.54M
-31.99%3.05M
-7.05%3.89M
15.78%3.95M
50.71%4.65M
Non interest income
1.23%16.04M
3.02%3.82M
3.60%4.29M
9.34%4.07M
-9.70%3.86M
21.80%15.85M
-4.68%3.71M
2.52%4.14M
43.81%3.73M
71.62%4.27M
-Total premiums earned
-14.90%1.43M
5.43%369K
7.40%363K
8.23%355K
-48.20%346K
34.29%1.68M
11.82%350K
-30.88%338K
40.17%328K
206.42%668K
-Fees and commissions
0.47%8.99M
-0.88%2.13M
7.61%2.55M
-1.68%2.11M
-3.64%2.2M
7.43%8.95M
1.51%2.15M
1.20%2.37M
12.16%2.15M
16.68%2.28M
-Other non interest income
29.64%1.57M
107.89%316K
43.97%203K
-8.78%426K
38.84%622K
57.50%1.21M
-24.00%152K
-54.07%141K
443.02%467K
157.47%448K
-Gain loss on sale of assets
-4.23%2.36M
-15.31%581K
-18.44%743K
96.68%771K
-44.70%261K
95.78%2.46M
-19.95%686K
72.21%911K
790.91%392K
372.83%472K
-Dividend income
9.68%1.7M
14.29%424K
12.89%438K
4.87%409K
6.98%429K
10.16%1.55M
-7.94%371K
2.37%388K
25.40%390K
27.71%401K
Credit losses provision
8.19%-2.38M
-500K
-350.00%-500K
62.54%-750K
20.38%-625K
53.20%-2.59M
0
142.11%200K
58.75%-2M
-785K
Non interest expense
-1.00%64.73M
-2.70%16.02M
0.66%16.13M
-0.61%16.15M
-1.29%16.43M
17.83%65.39M
3.83%16.47M
1.31%16.03M
32.32%16.25M
44.30%16.64M
Occupancy and equipment
7.55%6.51M
23.30%1.79M
8.00%1.59M
-3.91%1.5M
3.91%1.62M
22.37%6.05M
-3.45%1.46M
-0.07%1.48M
59.94%1.56M
58.22%1.56M
Professional expense and contract services expense
-9.93%2.34M
39.45%806K
-20.48%493K
-24.79%525K
-26.46%517K
32.47%2.6M
-15.99%578K
22.53%620K
80.36%698K
84.51%703K
Selling and administrative expenses
-0.56%41.11M
-5.42%9.58M
0.48%10.32M
3.41%10.47M
-0.70%10.74M
13.38%41.34M
2.69%10.13M
-1.06%10.27M
22.87%10.13M
35.58%10.82M
-General and administrative expense
-0.56%41.11M
-5.42%9.58M
0.48%10.32M
3.41%10.47M
-0.70%10.74M
13.38%41.34M
2.69%10.13M
-1.06%10.27M
22.87%10.13M
35.58%10.82M
Depreciation amortization depletion
-15.25%478K
-15.91%111K
-16.91%113K
-13.61%127K
-14.77%127K
51.21%564K
-14.29%132K
-13.38%136K
374.19%147K
380.65%149K
-Depreciation and amortization
-15.25%478K
-15.91%111K
-16.91%113K
-13.61%127K
-14.77%127K
51.21%564K
-14.29%132K
-13.38%136K
374.19%147K
380.65%149K
Other non-interest expense
-3.61%14.29M
-10.60%3.73M
2.49%3.62M
-5.12%3.52M
0.23%3.42M
26.23%14.83M
14.46%4.17M
6.84%3.53M
40.52%3.71M
58.22%3.42M
Income from associates and other participating interests
Special income (charges)
0
0
0
0
0
111.89%1.1M
0
0
0
551.64%1.1M
Gain on sale of business
--0
--0
--0
--0
--0
--1.1M
--0
--0
--0
--1.1M
Less:Restructuring and mergern&acquisition
--0
----
----
----
----
--0
--0
--0
--0
--0
Other non-operating income (expenses)
Income before tax
33.51%45.24M
34.30%13.09M
33.62%12.36M
63.06%10.42M
10.29%9.38M
57.05%33.88M
4.95%9.74M
1.13%9.25M
219.80%6.39M
0.29%8.5M
Income tax
42.89%8.67M
47.81%2.6M
37.40%2.36M
75.47%1.95M
18.82%1.76M
61.13%6.07M
0.97%1.76M
7.19%1.71M
193.69%1.11M
-8.20%1.48M
Earnings from equity interest net of tax
Net income
31.47%36.57M
31.32%10.48M
32.76%10.01M
60.44%8.46M
8.50%7.62M
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
Net Income continuous operations
31.47%36.57M
31.32%10.48M
32.76%10.01M
60.44%8.46M
8.50%7.62M
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
Minority interest income
Net income attributable to the parent company
31.47%36.57M
31.32%10.48M
32.76%10.01M
60.44%8.46M
8.50%7.62M
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
31.47%36.57M
31.32%10.48M
32.76%10.01M
60.44%8.46M
8.50%7.62M
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
Basic earnings per share
31.38%7.62
31.66%2.19
33.12%2.09
60.00%1.76
8.11%1.5842
45.73%5.8
6.05%1.6634
-0.27%1.57
210.00%1.1
-13.45%1.4653
Diluted earnings per share
31.61%7.62
31.06%2.18
33.12%2.09
60.00%1.76
8.11%1.5842
45.48%5.79
6.05%1.6634
-0.27%1.57
210.00%1.1
-13.45%1.4653
Dividend per share
2.55%1.9851
3.06%0.5
3.06%0.5
2.03%0.495
2.03%0.4901
1.52%1.9358
1.00%0.4851
1.00%0.4851
2.04%0.4851
2.04%0.4803
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
--
--
--
(FY)Dec 31, 2025(Q4)Dec 31, 2025(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024
Total revenue 11.50%112.35M12.96%29.61M15.61%28.99M10.87%27.31M6.45%26.43M9.68%100.75M3.42%26.21M-3.79%25.08M21.95%24.64M22.58%24.83M
Net interest income 13.42%96.3M14.60%25.79M17.99%24.7M11.14%23.24M9.81%22.57M7.68%84.91M4.89%22.5M-4.94%20.94M18.74%20.91M15.71%20.56M
-Net interest income 3.08%157.47M3.31%40.73M3.96%39.82M2.21%38.34M2.81%38.59M21.52%152.77M3.45%39.42M5.48%38.3M41.56%37.51M51.38%37.53M
-Interest income from loans and lease 1.22%144.43M1.64%37.23M1.56%36.42M0.46%35.23M1.20%35.56M22.93%142.69M2.79%36.63M6.18%35.86M45.40%35.07M55.81%35.13M
-Interest income from deposits -41.01%502K-30.77%108K-37.37%119K-49.62%132K-41.15%143K15.63%851K-43.07%156K-28.03%190K106.30%262K242.25%243K
-Interest income from securities 35.85%12.54M28.60%3.39M45.54%3.28M36.56%2.98M33.86%2.89M3.69%9.23M19.93%2.64M-0.92%2.25M-3.19%2.18M-0.78%2.16M
-Total interest expense -9.87%61.17M-11.70%14.94M-12.96%15.11M-9.04%15.1M-5.67%16.01M44.82%67.86M1.58%16.92M21.56%17.37M86.77%16.6M141.57%16.98M
-Interest expense for deposit -10.08%47.05M-14.91%11.81M-14.65%11.5M-9.53%11.45M-0.22%12.29M65.07%52.33M13.92%13.88M33.42%13.48M130.93%12.66M212.80%12.32M
-Interest expense for long term debt and capital securities -9.13%14.12M2.92%3.13M-7.12%3.61M-7.47%3.65M-20.11%3.72M2.49%15.54M-31.99%3.05M-7.05%3.89M15.78%3.95M50.71%4.65M
Non interest income 1.23%16.04M3.02%3.82M3.60%4.29M9.34%4.07M-9.70%3.86M21.80%15.85M-4.68%3.71M2.52%4.14M43.81%3.73M71.62%4.27M
-Total premiums earned -14.90%1.43M5.43%369K7.40%363K8.23%355K-48.20%346K34.29%1.68M11.82%350K-30.88%338K40.17%328K206.42%668K
-Fees and commissions 0.47%8.99M-0.88%2.13M7.61%2.55M-1.68%2.11M-3.64%2.2M7.43%8.95M1.51%2.15M1.20%2.37M12.16%2.15M16.68%2.28M
-Other non interest income 29.64%1.57M107.89%316K43.97%203K-8.78%426K38.84%622K57.50%1.21M-24.00%152K-54.07%141K443.02%467K157.47%448K
-Gain loss on sale of assets -4.23%2.36M-15.31%581K-18.44%743K96.68%771K-44.70%261K95.78%2.46M-19.95%686K72.21%911K790.91%392K372.83%472K
-Dividend income 9.68%1.7M14.29%424K12.89%438K4.87%409K6.98%429K10.16%1.55M-7.94%371K2.37%388K25.40%390K27.71%401K
Credit losses provision 8.19%-2.38M-500K-350.00%-500K62.54%-750K20.38%-625K53.20%-2.59M0142.11%200K58.75%-2M-785K
Non interest expense -1.00%64.73M-2.70%16.02M0.66%16.13M-0.61%16.15M-1.29%16.43M17.83%65.39M3.83%16.47M1.31%16.03M32.32%16.25M44.30%16.64M
Occupancy and equipment 7.55%6.51M23.30%1.79M8.00%1.59M-3.91%1.5M3.91%1.62M22.37%6.05M-3.45%1.46M-0.07%1.48M59.94%1.56M58.22%1.56M
Professional expense and contract services expense -9.93%2.34M39.45%806K-20.48%493K-24.79%525K-26.46%517K32.47%2.6M-15.99%578K22.53%620K80.36%698K84.51%703K
Selling and administrative expenses -0.56%41.11M-5.42%9.58M0.48%10.32M3.41%10.47M-0.70%10.74M13.38%41.34M2.69%10.13M-1.06%10.27M22.87%10.13M35.58%10.82M
-General and administrative expense -0.56%41.11M-5.42%9.58M0.48%10.32M3.41%10.47M-0.70%10.74M13.38%41.34M2.69%10.13M-1.06%10.27M22.87%10.13M35.58%10.82M
Depreciation amortization depletion -15.25%478K-15.91%111K-16.91%113K-13.61%127K-14.77%127K51.21%564K-14.29%132K-13.38%136K374.19%147K380.65%149K
-Depreciation and amortization -15.25%478K-15.91%111K-16.91%113K-13.61%127K-14.77%127K51.21%564K-14.29%132K-13.38%136K374.19%147K380.65%149K
Other non-interest expense -3.61%14.29M-10.60%3.73M2.49%3.62M-5.12%3.52M0.23%3.42M26.23%14.83M14.46%4.17M6.84%3.53M40.52%3.71M58.22%3.42M
Income from associates and other participating interests
Special income (charges) 00000111.89%1.1M000551.64%1.1M
Gain on sale of business --0--0--0--0--0--1.1M--0--0--0--1.1M
Less:Restructuring and mergern&acquisition --0------------------0--0--0--0--0
Other non-operating income (expenses)
Income before tax 33.51%45.24M34.30%13.09M33.62%12.36M63.06%10.42M10.29%9.38M57.05%33.88M4.95%9.74M1.13%9.25M219.80%6.39M0.29%8.5M
Income tax 42.89%8.67M47.81%2.6M37.40%2.36M75.47%1.95M18.82%1.76M61.13%6.07M0.97%1.76M7.19%1.71M193.69%1.11M-8.20%1.48M
Earnings from equity interest net of tax
Net income 31.47%36.57M31.32%10.48M32.76%10.01M60.44%8.46M8.50%7.62M56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M
Net Income continuous operations 31.47%36.57M31.32%10.48M32.76%10.01M60.44%8.46M8.50%7.62M56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M
Minority interest income
Net income attributable to the parent company 31.47%36.57M31.32%10.48M32.76%10.01M60.44%8.46M8.50%7.62M56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 31.47%36.57M31.32%10.48M32.76%10.01M60.44%8.46M8.50%7.62M56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M
Basic earnings per share 31.38%7.6231.66%2.1933.12%2.0960.00%1.768.11%1.584245.73%5.86.05%1.6634-0.27%1.57210.00%1.1-13.45%1.4653
Diluted earnings per share 31.61%7.6231.06%2.1833.12%2.0960.00%1.768.11%1.584245.48%5.796.05%1.6634-0.27%1.57210.00%1.1-13.45%1.4653
Dividend per share 2.55%1.98513.06%0.53.06%0.52.03%0.4952.03%0.49011.52%1.93581.00%0.48511.00%0.48512.04%0.48512.04%0.4803
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions Unqualified Opinion--------Unqualified Opinion--------
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