CITIZENS FINANCIAL SERVICES INC (CZFS) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	176.1M	173.2M	168.6M	138.7M	93.1M
Cost of Revenue	60.0M	63.5M	70.4M	52.4M	12.9M
Gross Profit	116.1M	109.7M	98.2M	86.3M	80.2M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	41.2M	45.9M	41.3M	36.5M	28.5M
General & Admin Expense	41.2M	45.9M	41.3M	36.5M	28.5M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	24.4M	18.7M	23.1M	28.4M	16.2M
Total Operating Expenses	65.6M	64.6M	64.5M	64.8M	44.7M
Cost and Expenses	125.7M	128.2M	134.9M	117.2M	57.6M
Operating Income (EBIT)	50.5M	45.1M	33.7M	21.5M	35.5M
Non-Operating
Interest Income	159.5M	159.2M	152.8M	125.7M	82.7M
Interest Expense	58.0M	61.2M	67.9M	46.9M	11.2M
Net Interest Income	101.5M	98.0M	84.9M	78.9M	71.5M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	50.5M	45.1M	33.7M	21.5M	35.5M
Income Tax Expense	9.4M	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	$8.56	$7.62	$5.80	$3.98	$7.10
Diluted EPS	$8.55	$7.62	$5.79	$3.98	$7.10
Revenue Per Share	$36.71	$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	52.6M	47.2M	35.5M	23.0M	36.5M
D&A	2.1M	2.1M	1.8M	1.5M	1.0M
EBIT	50.5M	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