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CZFS FINANCIAL STATEMENTS

Citizens Financial Services Inc. Common Stock — balance sheet, income statement and cash flow trends

CZFSCitizens Financial Services Inc. Common Stock

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income to Owners
050 M100 M150 M202120222023202420252026

Profit Funnel

Q2 2026 · TTM
Revenue175.9 M $Gross Profit115.8 M $ · 66%Operating Income50.3 M $ · 29%Pre-tax Income50.3 M $ · 29%Net Income to Owners41.1 M $ · 23%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue175.9 M $+3.2%
Gross Profit115.8 M $+11.5%
Operating Income50.3 M $+30.5%
EBITDA51 M $+26.4%
Net Income to Owners41.1 M $+29.9%

No peer data is available for this stock.

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
01 B2 B3 B202120222023202420252026

Capital Structure

Q2 2026
Total Assets3.2 B
  • Equity352.8 M $11%
  • Current Liabilities3.4 M $0%
  • Long-term Liabilities2.8 B $89%

Key Figures

YoY change
Total Assets3.2 B $+7.6%
Total Liabilities2.8 B $+7.0%
Total Equity352.8 M $+12.5%
Cash & ST Investments530.7 M $+354.6%
Total Debt394 M $+25.8%
Net Debt354.6 M $+36.4%

No peer data is available for this stock.

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
020 M40 M202120222023202420252026

Cash Flow Bridge

Q2 2026 · TTM
-100 M037.5 M $Operating-219.6 M $Investing172 M $Financing-10.1 M $Net Change

Key Figures

YoY change
Operating Cash Flow37.5 M $+11.6%
Capital Expenditures1.6 M $-27.9%
Free Cash Flow38.1 M $+21.2%
Dividends Paid9.7 M $+2.7%

No peer data is available for this stock.

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Sep 11, 26. This content is for informational purposes only and is not investment advice.