Citizens Financial Services, Inc. (CZFS)

Nasdaq: CZFS · State Commercial Banks · Mansfield, PA · filing with the SEC since 1995

Grade5.8

◀ Past 6.1● Present 6.0▶ Future 4.8

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 12, 2026	Mar 6, 2025	Mar 7, 2024	Mar 9, 2023	Mar 10, 2022	Mar 11, 2021	Mar 12, 2020	Mar 7, 2019	Mar 8, 2018	Mar 9, 2017
Revenue	9,881	9,610	8,972	8,587	7,737	6,660	6,926	6,512	·	·
For lenders
Interest and dividend income	159,168	154,317	127,118	83,357	73,217	70,296	61,980	56,758	48,093	43,005
Interest expense on deposits and borrowings	61,167	67,862	46,858	11,223	·	·	·	·	·	·
Net interest income	98,001	86,455	80,260	72,134	66,112	62,191	49,940	47,184	42,254	37,964
Provision for credit losses	2,375	2,587	5,528	1,683	1,550	2,400	1,675	1,925	2,540	1,520
Net interest income after provision	95,626	83,868	74,732	70,451	64,562	59,791	48,265	45,259	39,714	36,444
Noninterest income	14,344	15,401	11,605	9,738	12,305	11,422	8,386	7,735	8,656	7,899
Noninterest expense	64,732	65,386^r	64,762^r	44,694	41,550	40,847	33,341	31,557	29,314	28,671
Interest expense	·	·	46,858	11,223	7,105	8,105	12,040	9,574	5,839	5,041
Income before income taxes	45,238	33,883^r	21,575^r	35,495	35,317	30,366	23,310	21,437	19,056	15,672
Income tax expense	8,666	6,065^r	3,764^r	6,435	6,199	5,263	3,820	3,403	6,031	3,034
Net income	36,572	27,818	17,811	29,060	29,118	25,103	19,490	18,034	13,025	12,638
Earnings per share, basic	7.62	5.80^r	3.98^r	7.17^r	7.24^r	6.46^r	5.42^r	5.04^r	3.67^r	3.57^r
Earnings per share, diluted	7.62	5.79^r	3.98^r	7.17^r	7.24^r	6.46^r	5.41^r	5.04^r	3.67^r	3.57^r
Weighted average shares, basic	4,797,520	4,797,258^r	4,476,235^r	4,055,520^r	4,023,294^r	3,883,027^r	3,597,709^r	3,577,992^r	3,550,094^r	3,541,769^r
Weighted average shares, diluted	4,800,093	4,802,139^r	4,476,235^r	4,055,520^r	4,023,294^r	3,884,868^r	3,599,805^r	3,579,980^r	3,551,818^r	3,543,325^r

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the change of share basis.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton CZFS · research, not advice