20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Citizens Financial Services Inc. Common Stock (CZFS) operates in the BANKS - REGIONAL industry and is headquartered in Mansfield, United States with about 373 employees. Its market capitalization is roughly $411 million. In the fiscal year ended 2025-12-31, CZFS reported $173M in revenue and $37M in net income.
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers.
Interactive charts & full statements → Open the CZFS valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $176M | $173M | $169M | $139M | $93M | $86M | $82M | $70M | $64M | $57M | $51M | $43M | $43M | $44M | $46M | $45M | $45M | $44M | $38M | $41M | $38M |
| Gross Profit | $116M | $110M | $98M | $86M | $80M | $77M | $71M | $57M | $53M | $48M | $44M | $38M | $37M | $37M | $38M | $35M | $33M | $30M | $24M | $24M | $22M |
| Gross Margin % | 65.9% | 63.3% | 58.2% | 62.2% | 86.1% | 89.9% | 87.1% | 80.5% | 82.2% | 85.2% | 87.1% | 87.7% | 87.0% | 84.6% | 82.5% | 77.1% | 72.2% | 68.2% | 62.5% | 58.0% | 59.3% |
| Operating Income (EBIT) | $50M | $45M | $34M | $22M | $35M | $35M | $30M | $23M | $21M | $19M | $16M | $14M | $17M | $17M | $19M | $16M | $15M | $13M | $8M | $9M | $7M |
| Operating Margin % | 28.6% | 26.0% | 20.0% | 15.5% | 38.1% | 41.3% | 37.2% | 33.1% | 33.2% | 33.6% | 30.8% | 33.3% | 39.7% | 39.2% | 40.3% | 36.4% | 32.4% | 28.2% | 21.2% | 20.7% | 19.3% |
| Net Income | $41M | $37M | $28M | $18M | $29M | $29M | $25M | $19M | $18M | $13M | $13M | $12M | $13M | $13M | $14M | $13M | $12M | $10M | $7M | $7M | $6M |
| Net Margin % | 23.3% | 21.1% | 16.5% | 12.8% | 31.2% | 34.1% | 30.7% | 27.7% | 28.0% | 22.9% | 24.8% | 27.0% | 31.4% | 30.6% | 30.9% | 28.4% | 25.4% | 22.2% | 18.0% | 16.4% | 15.4% |
| EBITDA | $51M | $45M | $35M | $23M | $37M | $36M | $32M | $24M | $22M | $19M | $16M | $15M | $17M | $18M | $19M | $17M | $15M | $13M | $9M | $9M | $9M |
| Earnings Per Share (EPS) | $8.55 | $7.62 | $5.85 | $4.02 | $7.18 | $7.16 | $6.34 | $5.26 | $4.84 | $3.49 | $3.36 | $3.37 | $3.87 | $3.85 | $4.05 | $3.62 | $3.23 | $2.76 | $1.93 | $1.87 | $1.58 |
| Shares Outstanding (M) | 5M | 5M | 5M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 3M | 3M | 3M | 4M | 4M | 4M | 4M | 4M | 4M | 4M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $44M | $44M | $44M | $44M | $42M | $42M | $43M | $42M |
| Gross Profit | $29M | $29M | $29M | $28M | $27M | $26M | $26M | $25M |
| Gross Margin % | 67.1% | 66.5% | 65.3% | 64.6% | 62.6% | 60.8% | 60.8% | 59.6% |
| Operating Income (EBIT) | $12M | $13M | $13M | $12M | $10M | $9M | $10M | $9M |
| Operating Margin % | 28.4% | 29.0% | 29.1% | 28.0% | 24.6% | 22.1% | 22.1% | 21.8% |
| Net Income | $10M | $10M | $10M | $10M | $8M | $8M | $8M | $8M |
| Net Margin % | 23.4% | 23.7% | 23.6% | 22.7% | 20.0% | 18.0% | 18.5% | 17.8% |
| EBITDA | $13M | $13M | $14M | $11M | $11M | $10M | $10M | $10M |
| Earnings Per Share (EPS) | $2.12 | $2.16 | $2.18 | $2.08 | $1.76 | $1.60 | $1.68 | $1.59 |
| Shares Outstanding (M) | 5M | 5M | 5M | 5M | 5M | 5M | 5M | 5M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $38M | $37M | $33M | $27M | $33M | $39M | $12M | $22M | $21M | $16M | $16M | $13M | $16M | $18M | $15M | $16M | $13M | $10M | $10M | $8M | $7M |
| Capital Expenditures (CapEx) | $2M | $1M | $1M | $3M | $2M | $1M | $1M | $0M | $0M | $0M | $1M | $1M | $1M | $0M | $0M | $1M | $1M | $2M | $1M | $0M | $1M |
| Free Cash Flow (FCF) | $36M | $35M | $32M | $24M | $32M | $38M | $11M | $21M | $21M | $16M | $16M | $12M | $15M | $17M | $14M | $15M | $12M | $8M | $9M | $8M | $6M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $10M | $10M | $9M | $9M | $8M | $7M | $7M | $6M | $6M | $5M | $5M | $5M | $6M | $4M | $5M | $3M | $3M | $3M | $3M | $3M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $0M | $18M | $17M | $3M | $6M | $11M | $10M | $6M |
| Capital Expenditures (CapEx) | $0M | $0M | $0M | $1M | $0M | $1M | $0M | $1M |
| Free Cash Flow (FCF) | $0M | $18M | $17M | $2M | $5M | $10M | $10M | $6M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.2B | $3.1B | $3.0B | $3.0B | $2.3B | $2.1B | $1.9B | $1.5B | $1.4B | $1.4B | $1.2B | $1.2B | $925M | $915M | $882M | $879M | $813M | $729M | $669M | $591M | $572M |
| Cash & Cash Equivalents | $39M | $38M | $46M | $57M | $32M | $184M | $82M | $33M | $32M | $29M | $25M | $32M | $17M | $13M | $26M | $30M | $44M | $31M | $20M | $10M | $10M |
| Total Liabilities | $2.8B | $2.7B | $2.7B | $2.7B | $2.1B | $1.9B | $1.7B | $1.3B | $1.3B | $1.2B | $1.1B | $1.0B | $825M | $823M | $793M | $797M | $744M | $668M | $616M | $543M | $529M |
| Total Debt (Short + Long-Term) | $394M | $309M | $298M | $353M | $488M | $121M | $151M | $141M | $162M | $207M | $144M | $82M | $54M | $73M | $54M | $54M | $65M | $71M | $61M | $116M | $76M |
| Total Shareholders' Equity | $353M | $338M | $300M | $280M | $200M | $212M | $194M | $155M | $139M | $129M | $123M | $120M | $101M | $92M | $89M | $81M | $69M | $62M | $53M | $49M | $44M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CZFS viewer.
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