Citizens Financial Services Inc financial data

Symbol
CZFS on Nasdaq
Location
15 S Main St, Mansfield, PA
Fiscal year end
December 31
Latest financial report
10-Q - Q3 2025 - Nov 6, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 866 % -7.36%
Return On Equity 10.9 % +14.4%
Return On Assets 1.13 % +22.8%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 4.81M shares +0.98%
Entity Public Float 201M USD -39.2%
Common Stock, Value, Issued 5.26M USD +0.92%
Weighted Average Number of Shares Outstanding, Basic 4.8M shares +0%
Weighted Average Number of Shares Outstanding, Diluted 4.8M shares -0.01%

Income Statement

Label TTM Value / Value Unit Change %
Revenue from Contract with Customer, Excluding Assessed Tax 9.87M USD +3.03%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 41.7M USD +25%
Income Tax Expense (Benefit) 7.62M USD +27.3%
Net Income (Loss) Attributable to Parent 34.1M USD +24.5%
Earnings Per Share, Basic 7 USD/shares +22%
Earnings Per Share, Diluted 7 USD/shares +21.8%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value 31.1M USD -15.5%
Deferred Income Tax Assets, Net 12.3M USD -14.9%
Property, Plant and Equipment, Net 21.5M USD +1.28%
Operating Lease, Right-of-Use Asset 9.97M USD -10.3%
Intangible Assets, Net (Excluding Goodwill) 2.37M USD -23%
Goodwill 85.8M USD 0%
Assets 3.06B USD +0.99%
Liabilities 2.73B USD +0.03%
Accumulated Other Comprehensive Income (Loss), Net of Tax -14.7M USD +22.6%
Retained Earnings (Accumulated Deficit) 206M USD +11.8%
Stockholders' Equity Attributable to Parent 328M USD +9.72%
Liabilities and Equity 3.06B USD +0.99%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities 10.9M USD -18.7%
Net Cash Provided by (Used in) Financing Activities -15.6M USD +73.8%
Net Cash Provided by (Used in) Investing Activities -728K USD -103%
Common Stock, Shares Authorized 25M shares 0%
Common Stock, Shares, Issued 5.26M shares +0.92%
Common Stock, Par or Stated Value Per Share 1 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 31.1M USD -15.5%
Interest Paid, Excluding Capitalized Interest, Operating Activities 17.6M USD +2.4%
Deferred Tax Assets, Valuation Allowance 0 USD
Operating Lease, Liability 10.1M USD -9.77%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent 38.3M USD -15%
Lessee, Operating Lease, Liability, to be Paid 12.1M USD -11%
Property, Plant and Equipment, Gross 40.1M USD +2.2%
Lessee, Operating Lease, Liability, to be Paid, Year Two 1.66M USD -0.48%
Lessee, Operating Lease, Liability, to be Paid, Year One 1.78M USD -0.34%
Operating Lease, Weighted Average Discount Rate, Percent 0.04 pure 0%
Deferred Income Tax Expense (Benefit) -109K USD -189%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 2.04M USD -16.9%
Lessee, Operating Lease, Liability, to be Paid, Year Three 1.64M USD +1.42%
Deferred Tax Assets, Operating Loss Carryforwards 1.46M USD -40.9%
Preferred Stock, Shares Issued 0 shares
Preferred Stock, Shares Authorized 3M shares 0%
Unrecognized Tax Benefits 0 USD
Lessee, Operating Lease, Liability, to be Paid, Year Four 1.56M USD -4.13%
Additional Paid in Capital 148M USD +2.1%
Amortization of Intangible Assets 774K USD -12.3%
Deferred Tax Assets, Net of Valuation Allowance 24M USD -9.79%
Interest Expense 56.8M USD +240%
Preferred Stock, Par or Stated Value Per Share 1 USD/shares 0%