CZFS
Citizens Financial Services, Inc.
NASDAQ · USFinancial ServicesBanks - Regional
$71.58-2.77%
Price as of Jul 20, 2026
CZFS financials
Citizens Financial Services, Inc. financial statements
Annual and quarterly income statement, balance sheet and cash-flow history. On small screens, start with four periods and expand the table when needed.
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $173.2M | $168.6M | $138.7M | $93.1M |
| Cost of revenue | $63.5M | $70.4M | $52.4M | $12.9M |
| Gross profit | $109.7M | $98.2M | $86.3M | $80.2M |
| Operating expenses | $64.6M | $64.5M | $64.8M | $44.7M |
| Operating income | $45.1M | $33.7M | $21.5M | $35.5M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M |
| EBITDA | $45.1M | $35.5M | $23.0M | $36.5M |
| Basic EPS | $7.62 | $5.80 | $3.98 | $7.10 |
| Diluted EPS | $7.62 | $5.79 | $3.98 | $7.10 |
| Balance sheet | ||||
| Cash & equivalents | $38.1M | $46.0M | $56.9M | $32.3M |
| Total assets | $3.1B | $3.0B | $3.0B | $2.3B |
| Total liabilities | $2.7B | $2.7B | $2.7B | $2.1B |
| Stockholders’ equity | $338.1M | $299.7M | $279.7M | $200.1M |
| Total debt | $309.4M | $297.7M | $302.0M | $257.3M |
| Net debt | $271.3M | $251.7M | $245.1M | $225.0M |
| Cash flow | ||||
| Operating cash flow | $36.5M | $33.2M | $26.5M | $33.2M |
| Capital expenditure | -$1.3M | -$1.3M | -$2.6M | -$1.6M |
| Free cash flow | $35.2M | $31.9M | $23.9M | $31.6M |
| Dividends paid | -$9.5M | -$9.3M | -$8.5M | -$7.6M |
| Share repurchases | -$545.0K | -$266.0K | -$265.0K | -$1.3M |