Citizens Financial Services, Inc. (CZFS) — Financial statements
Income statement, balance sheet, and cash flow for Citizens Financial Services, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 173↑2.7% | 169↑21.5% | 139↑49.0% | 93↑8.9% | 86 | |
| Cost of Revenue | 64↓9.8% | 70↑34.5% | 52↑305.9% | 13↑49.1% | 9 | |
| Gross Profit | 110↑11.8% | 98↑13.7% | 86↑7.7% | 80↑4.3% | 77 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 46↑11.0% | 41↑13.4% | 36↑27.9% | 29↑7.9% | 26 | |
| Selling & Marketing Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| SG&A Expenses | 46↑11.0% | 41↑13.4% | 36↑27.9% | 29↑7.9% | 26 | |
| Other Expenses | 19↓19.2% | 23↓18.4% | 28↑75.2% | 16↑7.0% | 15 | |
| Operating Expenses | 65↑0.2% | 64↓0.5% | 65↑45.0% | 45↑7.6% | 42 | |
| Total Costs & Expenses | 128↓5.0% | 135↑15.1% | 117↑103.5% | 58↑14.7% | 50 | |
| Operating Results | ||||||
| Operating Income | 45↑33.9% | 34↑56.6% | 22↓39.4% | 35↑0.5% | 35 | |
| Depreciation & Amortization | 0.00↓100.0% | 2↑18.8% | 2↑47.1% | 1↓7.2% | 1 | |
| EBITDA | 45↑27.0% | 35↑54.1% | 23↓36.9% | 37↑0.3% | 36 | |
| EBIT | 45↑33.9% | 34↑56.6% | 22↓39.4% | 35↑0.5% | 35 | |
| Interest & Other Income | ||||||
| Net Interest Income | 98↑15.4% | 85↑7.7% | 79↑10.3% | 72↑8.8% | 66 | |
| Interest Income | 159↑4.2% | 153↑21.5% | 126↑51.9% | 83↑13.6% | 73 | |
| Interest Expense | 61↓9.9% | 68↑44.8% | 47↑317.5% | 11↑58.0% | 7 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 45↑33.9% | 34↑56.6% | 22↓39.4% | 35↑0.5% | 35 | |
| Income Tax Expense | 9↑45.2% | 6↑58.3% | 4↓42.4% | 6↑3.8% | 6 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 37↑31.5% | 28↑56.2% | 18↓38.7% | 29↓0.2% | 29 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 37↑31.5% | 28↑56.2% | 18↓38.7% | 29↓0.2% | 29 | |
| Bottom-Line Net Income | 37↑31.5% | 28↑56.2% | 18↓38.7% | 29↓0.2% | 29 | |
| EPS (Basic) | 7.62↑31.4% | 5.80↑45.7% | 3.98↓43.9% | 7.10↑0.1% | 7.09 | |
| EPS (Diluted) | 7.62↑31.6% | 5.79↑45.5% | 3.98↓43.9% | 7.10↑0.1% | 7.09 | |
| Weighted Average Shares | 5↑1.0% | 5↑7.3% | 4↑9.3% | 4↓0.4% | 4 | |
| Weighted Average Diluted Shares | 5↑0.9% | 5↑7.4% | 4↑9.3% | 4↓0.4% | 4 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.