stock
Citizens Financial Services Inc. Common Stock
NASDAQ | CZFS
64.44
USD
+0.00
(+0.00%
)AT CLOSE (AS OF Jul 3, 2025)
$303M
MARKET CAP
10.68
P/E Ratio
5.91
EPS
$73
52 Week High
$37
52 Week Low
FINANCE
Sector
CZFS Chart
Recent Chart
Price Action
1D
Candles
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CZFS Technicals
CZFS Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $98M |
| Total Revenue | $169M |
| Cost Of Revenue | $70M |
| Costof Goods And Services Sold | $70M |
| Operating Income | $34M |
| Selling General And Administrative | $41M |
| Research And Development | - |
| Operating Expenses | $64M |
| Investment Income Net | - |
| Net Interest Income | $85M |
| Interest Income | $153M |
| Interest Expense | $68M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $1.8M |
| Income Before Tax | $34M |
| Income Tax Expense | $5.9M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $28M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $34M |
| Ebitda | $35M |
| Net Income | $28M |
Revenue & Profitability
Earnings Performance
CZFS Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $3B |
| Total Current Assets | $103M |
| Cash And Cash Equivalents At Carrying Value | $46M |
| Cash And Short Term Investments | $46M |
| Inventory | - |
| Current Net Receivables | $10M |
| Total Non Current Assets | $2.9B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $2.9M |
| Intangible Assets Excluding Goodwill | $2.9M |
| Goodwill | $86M |
| Investments | - |
| Long Term Investments | $428M |
| Short Term Investments | $47M |
| Other Current Assets | - |
| Other Non Current Assets | - |
| Total Liabilities | $2.7B |
| Total Current Liabilities | $2.4B |
| Current Accounts Payable | $4.7M |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $25M |
| Total Non Current Liabilities | $314M |
| Capital Lease Obligations | - |
| Long Term Debt | $273M |
| Current Long Term Debt | $7.6M |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $298M |
| Other Current Liabilities | $2.4B |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $300M |
| Treasury Stock | - |
| Retained Earnings | $189M |
| Common Stock | $5.2M |
| Common Stock Shares Outstanding | $4.8M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $33M |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $1.8M |
| Capital Expenditures | $1.3M |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | - |
| Cashflow From Financing | $25M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | $9.3M |
| Dividend Payout Common Stock | $9.3M |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$266K |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | $28M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $98M |
| Total Revenue | $169M |
| Cost Of Revenue | $70M |
| Costof Goods And Services Sold | $70M |
| Operating Income | $34M |
| Selling General And Administrative | $41M |
| Research And Development | - |
| Operating Expenses | $64M |
| Investment Income Net | - |
| Net Interest Income | $85M |
| Interest Income | $153M |
| Interest Expense | $68M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $1.8M |
| Income Before Tax | $34M |
| Income Tax Expense | $5.9M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $28M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $34M |
| Ebitda | $35M |
| Net Income | $28M |
Dividends
| Field | Value |
|---|---|
| Ex Dividend Date | 2025-06-13 |
| Declaration Date | 2025-06-03 |
| Record Date | 2025-06-13 |
| Payment Date | 2025-06-27 |
| Amount | 0.495 |
CZFS News
CZFS Profile
Citizens Financial Services Inc. Common Stock Profile
Sector: FINANCE
Industry: STATE COMMERCIAL BANKS
Citizens Financial Services, Inc. is the banking holding company of First Citizens Community Bank that offers a variety of banking products and services for individual, business, government and institutional clients. The company is headquartered in Mansfield, Pennsylvania.
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