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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
Revenue168.4 M $Gross Profit57.5 M $ · 34%Operating Income25.3 M $ · 15%Pre-tax Income50.3 M $ · 30%Net Income to Owners41.1 M $ · 24%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue168.4 M $-1.2%
Gross Profit57.5 M $-44.6%
Operating Income25.3 M $-34.4%
EBITDA63.9 M $+58.4%
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

Key Figures

YoY change
Total Assets——
Total Liabilities——
Total Equity——
Cash & ST Investments——
Total Debt——
Net Debt——

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
-25 M025 M37.6 M $Operating-80.1 M $Investing26.1 M $Financing-16.4 M $Net Change

Key Figures

YoY change
Operating Cash Flow37.6 M $+11.9%
Capital Expenditures1.3 M $-41.1%
Free Cash Flow38.5 M $+22.4%
Dividends Paid-7.2 M $-255.7%

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 3, 26. This content is for informational purposes only and is not investment advice.