Citizens Financial Services, Inc. (CZFS) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	175.9M	173.2M	168.6M	138.7M	93.1M
Cost of Revenue	60.0M	63.5M	70.4M	52.4M	12.9M
Gross Profit	115.8M	109.7M	98.2M	86.3M	80.2M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	47.3M	45.9M	41.3M	36.5M	28.5M
General & Admin Expense	30.4M	45.9M	41.3M	36.5M	28.5M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	18.2M	18.7M	23.1M	28.4M	16.2M
Total Operating Expenses	65.5M	64.6M	64.5M	64.8M	44.7M
Cost and Expenses	125.5M	128.2M	134.9M	117.2M	57.6M
Operating Income (EBIT)	50.3M	45.1M	33.7M	21.5M	35.5M
Non-Operating
Interest Income	197.9M	159.2M	152.8M	125.7M	82.7M
Interest Expense	58.0M	61.2M	67.9M	46.9M	11.2M
Net Interest Income	139.8M	98.0M	84.9M	78.9M	71.5M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	50.3M	45.1M	33.7M	21.5M	35.5M
Income Tax Expense	9.3M	8.5M	5.9M	3.7M	6.4M
Bottom Line
Net Income	41.1M	36.6M	27.8M	17.8M	29.1M
Earnings from Cont. Ops	41.1M	36.6M	27.8M	17.8M	29.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	41.1M	36.6M	27.8M	17.8M	29.1M
Per Share
Basic EPS	$8.57	$7.62	$5.80	$3.98	$7.10
Diluted EPS	$8.55	$7.62	$5.79	$3.98	$7.10
Revenue Per Share	$36.66	$36.11	$35.50	$31.34	$22.99
Shares
Basic Shares Outstanding	4.8M	4.8M	4.8M	4.4M	4.0M
Diluted Shares Outstanding	4.8M	4.8M	4.8M	4.4M	4.0M
Profitability Metrics
EBITDA	51.0M	45.1M	35.5M	23.0M	36.5M
D&A	683.0K	—	1.8M	1.5M	1.0M
EBIT	50.3M	45.1M	33.7M	21.5M	35.5M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026