CITIZENS FINANCIAL SERVICES INC financial data

Symbol
CZFS on Nasdaq
Location
Mansfield, PA
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 06 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 866% % -7.4%
Return On Equity 11% % 14%
Return On Assets 1% % 23%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 4,806,377 shares 0.98%
Entity Public Float $201,151,000 USD -39%
Common Stock, Value, Issued $5,255,000 USD 0.92%
Weighted Average Number of Shares Outstanding, Basic 4,796,946 shares 0%
Weighted Average Number of Shares Outstanding, Diluted 4,798,051 shares -0.01%

Income Statement

Label TTM Value / Value Unit Change %
Revenue from Contract with Customer, Excluding Assessed Tax $9,874,000 USD 3%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $41,696,000 USD 25%
Income Tax Expense (Benefit) $7,624,000 USD 27%
Net Income (Loss) Attributable to Parent $34,072,000 USD 24%
Earnings Per Share, Basic 7 USD/shares 22%
Earnings Per Share, Diluted 7 USD/shares 22%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $31,075,000 USD -15%
Deferred Income Tax Assets, Net $12,294,000 USD -15%
Property, Plant and Equipment, Net $21,508,000 USD 1.3%
Operating Lease, Right-of-Use Asset $9,966,000 USD -10%
Intangible Assets, Net (Excluding Goodwill) $2,374,000 USD -23%
Goodwill $85,758,000 USD 0%
Assets $3,056,421,000 USD 0.99%
Liabilities $2,728,739,000 USD 0.03%
Accumulated Other Comprehensive Income (Loss), Net of Tax $14,650,000 USD 23%
Retained Earnings (Accumulated Deficit) $205,542,000 USD 12%
Stockholders' Equity Attributable to Parent $327,682,000 USD 9.7%
Liabilities and Equity $3,056,421,000 USD 0.99%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $10,945,000 USD -19%
Net Cash Provided by (Used in) Financing Activities $15,633,000 USD 74%
Net Cash Provided by (Used in) Investing Activities $728,000 USD -103%
Common Stock, Shares Authorized 25,000,000 shares 0%
Common Stock, Shares, Issued 5,255,464 shares 0.92%
Common Stock, Par or Stated Value Per Share 1 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $31,075,000 USD -15%
Interest Paid, Excluding Capitalized Interest, Operating Activities $17,562,000 USD 2.4%
Deferred Tax Assets, Valuation Allowance $0 USD
Operating Lease, Liability $10,095,000 USD -9.8%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $38,338,000 USD -15%
Lessee, Operating Lease, Liability, to be Paid $12,137,000 USD -11%
Property, Plant and Equipment, Gross $40,070,000 USD 2.2%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,663,000 USD -0.48%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,779,000 USD -0.34%
Operating Lease, Weighted Average Discount Rate, Percent 0.04 pure 0%
Deferred Income Tax Expense (Benefit) $109,000 USD -189%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $2,042,000 USD -17%
Lessee, Operating Lease, Liability, to be Paid, Year Three $1,644,000 USD 1.4%
Deferred Tax Assets, Operating Loss Carryforwards $1,458,000 USD -41%
Preferred Stock, Shares Issued 0 shares
Preferred Stock, Shares Authorized 3,000,000 shares 0%
Unrecognized Tax Benefits $0 USD
Lessee, Operating Lease, Liability, to be Paid, Year Four $1,557,000 USD -4.1%
Additional Paid in Capital $147,971,000 USD 2.1%
Amortization of Intangible Assets $774,000 USD -12%
Deferred Tax Assets, Net of Valuation Allowance $24,009,000 USD -9.8%
Interest Expense $56,806,000 USD 240%
Preferred Stock, Par or Stated Value Per Share 1 USD/shares 0%