US Stock MarketDetailed Quotes

CZFS Citizens Financial Services

Watchlist
  • 64.900
  • +1.800+2.85%
Close Feb 14 16:00 ET
  • 66.990
  • +2.090+3.22%
Pre 05:37 ET
308.90MMarket Cap11.09P/E (TTM)

Citizens Financial Services Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
(Q3)Sep 30, 2023
(Q2)Jun 30, 2023
(Q1)Mar 31, 2023
Total revenue
9.68%100.75M
3.42%26.21M
-3.79%25.08M
21.95%24.64M
22.58%24.83M
12.21%91.87M
17.29%25.34M
21.02%26.07M
0.84%20.2M
8.35%20.25M
Net interest income
7.68%84.91M
4.89%22.5M
-4.94%20.94M
18.74%20.91M
15.71%20.56M
10.27%78.85M
12.73%21.45M
18.01%22.03M
-0.16%17.61M
9.82%17.77M
-Net interest income
21.52%152.77M
3.45%39.42M
5.48%38.3M
41.56%37.51M
51.38%37.53M
51.95%125.71M
58.23%38.11M
68.09%36.31M
37.18%26.5M
39.83%24.79M
-Interest income from loans and lease
22.93%142.69M
2.79%36.63M
6.18%35.86M
45.40%35.07M
55.81%35.13M
56.30%116.08M
63.26%35.64M
74.12%33.77M
40.87%24.12M
41.64%22.55M
-Interest income from deposits
15.63%851K
-43.07%156K
-28.03%190K
106.30%262K
242.25%243K
84.00%736K
308.96%274K
332.79%264K
-18.59%127K
-38.79%71K
-Interest income from securities
3.69%9.23M
19.93%2.64M
-0.92%2.25M
-3.19%2.18M
-0.78%2.16M
10.30%8.9M
0.41%2.2M
6.06%2.27M
10.49%2.26M
28.20%2.17M
-Total interest expense
44.82%67.86M
1.58%16.92M
21.56%17.37M
86.77%16.6M
141.57%16.98M
317.52%46.86M
229.52%16.66M
386.38%14.29M
429.74%8.89M
352.48%7.03M
-Interest expense for deposit
65.07%52.33M
13.92%13.88M
33.42%13.48M
130.93%12.66M
212.80%12.32M
333.28%31.7M
327.82%12.18M
449.51%10.1M
304.13%5.48M
208.94%3.94M
-Interest expense for long term debt and capital securities
2.49%15.54M
-31.99%3.05M
-7.05%3.89M
15.78%3.95M
50.71%4.65M
288.00%15.16M
102.76%4.48M
280.80%4.19M
958.70%3.41M
1,010.79%3.09M
Non interest income
21.80%15.85M
-4.68%3.71M
2.52%4.14M
43.81%3.73M
71.62%4.27M
25.59%13.01M
50.97%3.89M
40.61%4.04M
8.23%2.59M
-1.07%2.49M
-Total premiums earned
34.29%1.68M
11.82%350K
-30.88%338K
40.17%328K
206.42%668K
47.18%1.25M
44.24%313K
126.39%489K
10.38%234K
5.31%218K
-Fees and commissions
7.43%8.95M
1.51%2.15M
1.20%2.37M
12.16%2.15M
16.68%2.28M
3.52%8.33M
10.65%2.12M
9.10%2.34M
-4.63%1.92M
-1.16%1.96M
-Other non interest income
57.50%1.21M
12.00%224K
-54.07%141K
443.02%467K
157.47%448K
-9.23%767K
-8.68%200K
16.29%307K
-51.14%86K
-6.45%174K
-Gain loss on sale of assets
95.78%2.46M
-28.35%614K
72.21%911K
790.91%392K
372.83%472K
42,000.00%1.26M
2,242.50%857K
655.71%529K
147.31%44K
-388.33%-173K
-Dividend income
10.16%1.55M
-7.94%371K
2.37%388K
25.40%390K
27.71%401K
125.84%1.41M
50.94%403K
108.24%379K
245.56%311K
273.81%314K
Credit losses provision
53.20%-2.59M
0
142.11%200K
58.75%-2M
-785K
-228.46%-5.53M
22.48%-200K
34.48%-475K
-978.44%-4.85M
0
Non interest expense
18.06%65.59M
4.70%16.67M
1.31%16.03M
32.32%16.25M
44.30%16.64M
25.11%55.55M
40.18%15.92M
36.22%15.82M
9.63%12.28M
12.74%11.53M
Occupancy and equipment
22.37%6.05M
-3.45%1.46M
-0.07%1.48M
59.94%1.56M
58.22%1.56M
33.54%4.95M
56.98%1.51M
63.82%1.48M
6.09%976K
6.83%986K
Professional expense and contract services expense
32.47%2.6M
-15.99%578K
22.53%620K
80.36%698K
84.51%703K
19.56%1.96M
115.00%688K
-13.95%506K
-1.78%387K
12.39%381K
Selling and administrative expenses
13.38%41.34M
2.69%10.13M
-1.06%10.27M
22.87%10.13M
35.58%10.82M
27.89%36.47M
38.80%9.87M
46.34%10.38M
13.48%8.24M
13.18%7.98M
-General and administrative expense
13.38%41.34M
2.69%10.13M
-1.06%10.27M
22.87%10.13M
35.58%10.82M
27.89%36.47M
38.80%9.87M
46.34%10.38M
13.48%8.24M
13.18%7.98M
Depreciation amortization depletion
51.21%564K
-14.29%132K
-13.38%136K
374.19%147K
380.65%149K
139.10%373K
327.78%154K
292.50%157K
-22.50%31K
-22.50%31K
-Depreciation and amortization
51.21%564K
-14.29%132K
-13.38%136K
374.19%147K
380.65%149K
139.10%373K
327.78%154K
292.50%157K
-22.50%31K
-22.50%31K
Other non-interest expense
27.28%15.03M
18.01%4.37M
6.84%3.53M
40.52%3.71M
58.22%3.42M
13.66%11.81M
26.33%3.7M
10.36%3.3M
2.28%2.64M
14.78%2.16M
Income from associates and other participating interests
Special income (charges)
111.89%1.1M
0
0
0
551.64%1.1M
-3,074.32%-9.27M
0
-623K
-8.4M
-244K
Gain on sale of business
--1.1M
--0
--0
--0
--1.1M
----
----
--0
--0
--0
Less:Restructuring and mergern&acquisition
--0
--0
--0
--0
--0
3,074.32%9.27M
--0
--623K
--8.4M
--244K
Other non-operating income (expenses)
Income before tax
56.56%33.68M
3.47%9.54M
1.13%9.25M
219.80%6.39M
0.29%8.5M
-39.39%21.52M
-4.92%9.22M
-0.57%9.15M
-163.60%-5.33M
3.21%8.48M
Income tax
58.34%5.87M
-7.30%1.56M
7.19%1.71M
193.69%1.11M
-8.20%1.48M
-42.44%3.7M
-7.78%1.68M
-3.38%1.6M
-180.16%-1.19M
9.31%1.61M
Earnings from equity interest net of tax
Net income
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
Net Income continuous operations
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
Minority interest income
Net income attributable to the parent company
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
56.18%27.82M
5.88%7.98M
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
Basic earnings per share
45.78%5.86
6.05%1.68
0.00%1.59
209.90%1.11
-13.73%1.4752
-44.00%4.0198
-18.79%1.5842
-14.58%1.59
-159.31%-1.01
3.10%1.71
Diluted earnings per share
45.53%5.85
6.05%1.68
0.00%1.59
209.90%1.11
-13.73%1.4752
-44.00%4.0198
-18.79%1.5842
-14.58%1.59
-159.31%-1.01
3.10%1.71
Dividend per share
1.52%1.9551
1.00%0.49
1.00%0.49
2.04%0.49
2.04%0.4851
3.12%1.9259
3.10%0.4851
3.10%0.4851
3.13%0.4802
3.13%0.4754
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
--
--
Unqualified Opinion
--
--
--
--
(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023(Q3)Sep 30, 2023(Q2)Jun 30, 2023(Q1)Mar 31, 2023
Total revenue 9.68%100.75M3.42%26.21M-3.79%25.08M21.95%24.64M22.58%24.83M12.21%91.87M17.29%25.34M21.02%26.07M0.84%20.2M8.35%20.25M
Net interest income 7.68%84.91M4.89%22.5M-4.94%20.94M18.74%20.91M15.71%20.56M10.27%78.85M12.73%21.45M18.01%22.03M-0.16%17.61M9.82%17.77M
-Net interest income 21.52%152.77M3.45%39.42M5.48%38.3M41.56%37.51M51.38%37.53M51.95%125.71M58.23%38.11M68.09%36.31M37.18%26.5M39.83%24.79M
-Interest income from loans and lease 22.93%142.69M2.79%36.63M6.18%35.86M45.40%35.07M55.81%35.13M56.30%116.08M63.26%35.64M74.12%33.77M40.87%24.12M41.64%22.55M
-Interest income from deposits 15.63%851K-43.07%156K-28.03%190K106.30%262K242.25%243K84.00%736K308.96%274K332.79%264K-18.59%127K-38.79%71K
-Interest income from securities 3.69%9.23M19.93%2.64M-0.92%2.25M-3.19%2.18M-0.78%2.16M10.30%8.9M0.41%2.2M6.06%2.27M10.49%2.26M28.20%2.17M
-Total interest expense 44.82%67.86M1.58%16.92M21.56%17.37M86.77%16.6M141.57%16.98M317.52%46.86M229.52%16.66M386.38%14.29M429.74%8.89M352.48%7.03M
-Interest expense for deposit 65.07%52.33M13.92%13.88M33.42%13.48M130.93%12.66M212.80%12.32M333.28%31.7M327.82%12.18M449.51%10.1M304.13%5.48M208.94%3.94M
-Interest expense for long term debt and capital securities 2.49%15.54M-31.99%3.05M-7.05%3.89M15.78%3.95M50.71%4.65M288.00%15.16M102.76%4.48M280.80%4.19M958.70%3.41M1,010.79%3.09M
Non interest income 21.80%15.85M-4.68%3.71M2.52%4.14M43.81%3.73M71.62%4.27M25.59%13.01M50.97%3.89M40.61%4.04M8.23%2.59M-1.07%2.49M
-Total premiums earned 34.29%1.68M11.82%350K-30.88%338K40.17%328K206.42%668K47.18%1.25M44.24%313K126.39%489K10.38%234K5.31%218K
-Fees and commissions 7.43%8.95M1.51%2.15M1.20%2.37M12.16%2.15M16.68%2.28M3.52%8.33M10.65%2.12M9.10%2.34M-4.63%1.92M-1.16%1.96M
-Other non interest income 57.50%1.21M12.00%224K-54.07%141K443.02%467K157.47%448K-9.23%767K-8.68%200K16.29%307K-51.14%86K-6.45%174K
-Gain loss on sale of assets 95.78%2.46M-28.35%614K72.21%911K790.91%392K372.83%472K42,000.00%1.26M2,242.50%857K655.71%529K147.31%44K-388.33%-173K
-Dividend income 10.16%1.55M-7.94%371K2.37%388K25.40%390K27.71%401K125.84%1.41M50.94%403K108.24%379K245.56%311K273.81%314K
Credit losses provision 53.20%-2.59M0142.11%200K58.75%-2M-785K-228.46%-5.53M22.48%-200K34.48%-475K-978.44%-4.85M0
Non interest expense 18.06%65.59M4.70%16.67M1.31%16.03M32.32%16.25M44.30%16.64M25.11%55.55M40.18%15.92M36.22%15.82M9.63%12.28M12.74%11.53M
Occupancy and equipment 22.37%6.05M-3.45%1.46M-0.07%1.48M59.94%1.56M58.22%1.56M33.54%4.95M56.98%1.51M63.82%1.48M6.09%976K6.83%986K
Professional expense and contract services expense 32.47%2.6M-15.99%578K22.53%620K80.36%698K84.51%703K19.56%1.96M115.00%688K-13.95%506K-1.78%387K12.39%381K
Selling and administrative expenses 13.38%41.34M2.69%10.13M-1.06%10.27M22.87%10.13M35.58%10.82M27.89%36.47M38.80%9.87M46.34%10.38M13.48%8.24M13.18%7.98M
-General and administrative expense 13.38%41.34M2.69%10.13M-1.06%10.27M22.87%10.13M35.58%10.82M27.89%36.47M38.80%9.87M46.34%10.38M13.48%8.24M13.18%7.98M
Depreciation amortization depletion 51.21%564K-14.29%132K-13.38%136K374.19%147K380.65%149K139.10%373K327.78%154K292.50%157K-22.50%31K-22.50%31K
-Depreciation and amortization 51.21%564K-14.29%132K-13.38%136K374.19%147K380.65%149K139.10%373K327.78%154K292.50%157K-22.50%31K-22.50%31K
Other non-interest expense 27.28%15.03M18.01%4.37M6.84%3.53M40.52%3.71M58.22%3.42M13.66%11.81M26.33%3.7M10.36%3.3M2.28%2.64M14.78%2.16M
Income from associates and other participating interests
Special income (charges) 111.89%1.1M000551.64%1.1M-3,074.32%-9.27M0-623K-8.4M-244K
Gain on sale of business --1.1M--0--0--0--1.1M----------0--0--0
Less:Restructuring and mergern&acquisition --0--0--0--0--03,074.32%9.27M--0--623K--8.4M--244K
Other non-operating income (expenses)
Income before tax 56.56%33.68M3.47%9.54M1.13%9.25M219.80%6.39M0.29%8.5M-39.39%21.52M-4.92%9.22M-0.57%9.15M-163.60%-5.33M3.21%8.48M
Income tax 58.34%5.87M-7.30%1.56M7.19%1.71M193.69%1.11M-8.20%1.48M-42.44%3.7M-7.78%1.68M-3.38%1.6M-180.16%-1.19M9.31%1.61M
Earnings from equity interest net of tax
Net income 56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M
Net Income continuous operations 56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M
Minority interest income
Net income attributable to the parent company 56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 56.18%27.82M5.88%7.98M-0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M
Basic earnings per share 45.78%5.866.05%1.680.00%1.59209.90%1.11-13.73%1.4752-44.00%4.0198-18.79%1.5842-14.58%1.59-159.31%-1.013.10%1.71
Diluted earnings per share 45.53%5.856.05%1.680.00%1.59209.90%1.11-13.73%1.4752-44.00%4.0198-18.79%1.5842-14.58%1.59-159.31%-1.013.10%1.71
Dividend per share 1.52%1.95511.00%0.491.00%0.492.04%0.492.04%0.48513.12%1.92593.10%0.48513.10%0.48513.13%0.48023.13%0.4754
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ----------Unqualified Opinion--------

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