CITIZENS FINANCIAL SERVICES INC financial data

Symbol
CZFS on Nasdaq
Location
Mansfield, PA
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 12 Mar 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 840% % -8.8%
Return On Equity 11% % 19%
Return On Assets 1.2% % 29%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 4,807,219 shares 1%
Entity Public Float $264,808,000 USD 32%
Common Stock, Value, Issued $5,256,000 USD 0.92%
Weighted Average Number of Shares Outstanding, Basic 4,797,520 shares 0.01%
Weighted Average Number of Shares Outstanding, Diluted 4,800,093 shares -0.04%

Income Statement

Label TTM Value / Value Unit Change %
Revenue from Contract with Customer, Excluding Assessed Tax $9,881,000 USD 2.8%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $45,238,000 USD 34%
Income Tax Expense (Benefit) $8,666,000 USD 43%
Net Income (Loss) Attributable to Parent $36,572,000 USD 31%
Earnings Per Share, Basic 7.62 USD/shares 31%
Earnings Per Share, Diluted 7.62 USD/shares 32%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $34,291,000 USD -19%
Deferred Income Tax Assets, Net $11,440,000 USD -25%
Property, Plant and Equipment, Net $20,998,000 USD -1.9%
Operating Lease, Right-of-Use Asset $10,600,000 USD 6.4%
Intangible Assets, Net (Excluding Goodwill) $2,221,000 USD -23%
Goodwill $85,758,000 USD 0%
Assets $3,064,564,000 USD 1.3%
Liabilities $2,726,513,000 USD 0.02%
Accumulated Other Comprehensive Income (Loss), Net of Tax $12,377,000 USD 47%
Retained Earnings (Accumulated Deficit) $213,623,000 USD 13%
Stockholders' Equity Attributable to Parent $338,051,000 USD 13%
Liabilities and Equity $3,064,564,000 USD 1.3%

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 5,255,807 shares 0.93%
Common Stock, Par or Stated Value Per Share 1 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $34,291,000 USD -19%
Interest Paid, Excluding Capitalized Interest, Operating Activities $17,562,000 USD 2.4%
Deferred Tax Assets, Valuation Allowance $0 USD
Operating Lease, Liability $10,777,000 USD 6.8%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $47,716,000 USD 63%
Lessee, Operating Lease, Liability, to be Paid $13,055,000 USD 7.6%
Property, Plant and Equipment, Gross $40,247,000 USD 0.44%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,951,000 USD 17%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,921,000 USD 8%
Operating Lease, Weighted Average Discount Rate, Percent 0.0429 pure 1.9%
Deferred Income Tax Expense (Benefit) $109,000 USD -189%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $2,278,000 USD 12%
Lessee, Operating Lease, Liability, to be Paid, Year Three $1,863,000 USD 13%
Deferred Tax Assets, Operating Loss Carryforwards $898,000 USD -38%
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 $1,643,000 USD 5.5%
Additional Paid in Capital $147,965,000 USD 2.1%
Amortization of Intangible Assets $744,000 USD -14%
Deferred Tax Assets, Net of Valuation Allowance $20,040,000 USD -17%
Interest Expense $56,806,000 USD 240%
Preferred Stock, Par or Stated Value Per Share 1 USD/shares 0%