US Stock MarketDetailed Quotes

CZFS Citizens Financial Services

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  • 56.400
  • +1.180+2.14%
Close Sep 27 16:00 ET
  • 56.400
  • 0.0000.00%
Post 20:01 ET
268.46MMarket Cap9.42P/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
(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
(FY)Dec 31, 2022
(Q4)Dec 31, 2022
(Q3)Sep 30, 2022
Total revenue
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
4.41%81.87M
11.49%21.61M
10.78%21.54M
Net interest income
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
8.79%71.51M
13.40%19.03M
13.07%18.66M
-Net interest income
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
13.58%82.73M
30.77%24.09M
18.31%21.6M
-Interest income from loans and lease
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
11.89%74.27M
29.92%21.83M
17.52%19.4M
-Interest income from deposits
106.30%262K
242.25%243K
84.00%736K
308.96%274K
332.79%264K
-18.59%127K
-38.79%71K
-10.51%400K
-40.18%67K
-48.31%61K
-Interest income from securities
-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
34.01%8.07M
45.55%2.19M
31.13%2.14M
-Total interest expense
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
57.96%11.22M
208.99%5.06M
67.64%2.94M
-Interest expense for deposit
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
25.34%7.32M
120.36%2.85M
29.25%1.84M
-Interest expense for long term debt and capital securities
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
208.12%3.91M
541.86%2.21M
233.03%1.1M
Non interest income
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
-18.31%10.36M
-0.81%2.58M
-2.11%2.87M
-Total premiums earned
40.17%328K
206.42%668K
47.18%1.25M
44.24%313K
126.39%489K
10.38%234K
5.31%218K
-53.39%852K
17.30%217K
30.91%216K
-Fees and commissions
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
11.03%8.04M
0.68%1.92M
19.00%2.14M
-Other non interest income
443.02%467K
157.47%448K
-9.23%767K
-8.68%200K
16.29%307K
-51.14%86K
-6.45%174K
-39.56%845K
9.50%219K
-26.26%264K
-Gain loss on sale of assets
790.91%392K
372.83%472K
42,000.00%1.26M
2,242.50%857K
655.71%529K
147.31%44K
-388.33%-173K
-100.16%-3K
-117.78%-40K
-86.77%70K
-Dividend income
25.40%390K
27.71%401K
125.84%1.41M
50.94%403K
108.24%379K
245.56%311K
273.81%314K
64.81%623K
206.90%267K
116.67%182K
Credit losses provision
58.75%-2M
-785K
-228.46%-5.53M
22.48%-200K
34.48%-475K
-978.44%-4.85M
0
-8.58%-1.68M
-258K
-81.25%-725K
Non interest expense
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
6.86%44.4M
4.36%11.36M
11.67%11.61M
Occupancy and equipment
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
6.26%3.7M
12.15%960K
5.88%901K
Professional expense and contract services expense
80.36%698K
84.51%703K
19.56%1.96M
115.00%688K
-13.95%506K
-1.78%387K
12.39%381K
7.54%1.64M
-14.21%320K
89.68%588K
Selling and administrative expenses
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
7.91%28.51M
5.71%7.11M
5.91%7.09M
-General and administrative expense
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
7.91%28.51M
5.71%7.11M
5.91%7.09M
Depreciation amortization depletion
374.19%147K
380.65%149K
139.10%373K
327.78%154K
292.50%157K
-22.50%31K
-22.50%31K
-18.75%156K
-21.74%36K
-16.67%40K
-Depreciation and amortization
374.19%147K
380.65%149K
139.10%373K
327.78%154K
292.50%157K
-22.50%31K
-22.50%31K
-18.75%156K
-21.74%36K
-16.67%40K
Other non-interest expense
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
4.70%10.39M
1.70%2.93M
19.97%2.99M
Income from associates and other participating interests
Special income (charges)
0
551.64%1.1M
-3,074.32%-9.27M
0
-623K
-8.4M
-244K
-292K
-292K
0
Gain on sale of business
--0
--1.1M
----
----
----
--0
--0
----
----
----
Less:Restructuring and mergern&acquisition
--0
--0
3,074.32%9.27M
--0
--623K
--8.4M
--244K
--292K
--292K
--0
Other non-operating income (expenses)
Income before tax
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
0.50%35.5M
14.16%9.7M
6.45%9.2M
Income tax
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
3.81%6.44M
17.50%1.83M
4.88%1.66M
Earnings from equity interest net of tax
Net income
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
-0.20%29.06M
13.41%7.88M
6.80%7.54M
Net Income continuous operations
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
-0.20%29.06M
13.41%7.88M
6.80%7.54M
Minority interest income
Net income attributable to the parent company
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
-0.20%29.06M
13.41%7.88M
6.80%7.54M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
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
-0.20%29.06M
13.41%7.88M
6.80%7.54M
Basic earnings per share
209.90%1.11
-13.73%1.4752
-44.00%4.0198
-18.79%1.5842
-14.36%1.5941
-159.31%-1.01
3.10%1.71
0.18%7.1782
14.20%1.9508
7.29%1.8614
Diluted earnings per share
209.90%1.11
-13.73%1.4752
-44.00%4.0198
-18.79%1.5842
-14.36%1.5941
-159.31%-1.01
3.10%1.71
0.18%7.1782
14.20%1.9508
7.29%1.8614
Dividend per share
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
3.16%1.8678
3.15%0.4705
3.15%0.4705
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
--
--
--
--
Unqualified Opinion
--
--
(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(FY)Dec 31, 2022(Q4)Dec 31, 2022(Q3)Sep 30, 2022
Total revenue 21.95%24.64M22.58%24.83M12.21%91.87M17.29%25.34M21.02%26.07M0.84%20.2M8.35%20.25M4.41%81.87M11.49%21.61M10.78%21.54M
Net interest income 18.74%20.91M15.71%20.56M10.27%78.85M12.73%21.45M18.01%22.03M-0.16%17.61M9.82%17.77M8.79%71.51M13.40%19.03M13.07%18.66M
-Net interest income 41.56%37.51M51.38%37.53M51.95%125.71M58.23%38.11M68.09%36.31M37.18%26.5M39.83%24.79M13.58%82.73M30.77%24.09M18.31%21.6M
-Interest income from loans and lease 45.40%35.07M55.81%35.13M56.30%116.08M63.26%35.64M74.12%33.77M40.87%24.12M41.64%22.55M11.89%74.27M29.92%21.83M17.52%19.4M
-Interest income from deposits 106.30%262K242.25%243K84.00%736K308.96%274K332.79%264K-18.59%127K-38.79%71K-10.51%400K-40.18%67K-48.31%61K
-Interest income from securities -3.19%2.18M-0.78%2.16M10.30%8.9M0.41%2.2M6.06%2.27M10.49%2.26M28.20%2.17M34.01%8.07M45.55%2.19M31.13%2.14M
-Total interest expense 86.77%16.6M141.57%16.98M317.52%46.86M229.52%16.66M386.38%14.29M429.74%8.89M352.48%7.03M57.96%11.22M208.99%5.06M67.64%2.94M
-Interest expense for deposit 130.93%12.66M212.80%12.32M333.28%31.7M327.82%12.18M449.51%10.1M304.13%5.48M208.94%3.94M25.34%7.32M120.36%2.85M29.25%1.84M
-Interest expense for long term debt and capital securities 15.78%3.95M50.71%4.65M288.00%15.16M102.76%4.48M280.80%4.19M958.70%3.41M1,010.79%3.09M208.12%3.91M541.86%2.21M233.03%1.1M
Non interest income 43.81%3.73M71.62%4.27M25.59%13.01M50.97%3.89M40.61%4.04M8.23%2.59M-1.07%2.49M-18.31%10.36M-0.81%2.58M-2.11%2.87M
-Total premiums earned 40.17%328K206.42%668K47.18%1.25M44.24%313K126.39%489K10.38%234K5.31%218K-53.39%852K17.30%217K30.91%216K
-Fees and commissions 12.16%2.15M16.68%2.28M3.52%8.33M10.65%2.12M9.10%2.34M-4.63%1.92M-1.16%1.96M11.03%8.04M0.68%1.92M19.00%2.14M
-Other non interest income 443.02%467K157.47%448K-9.23%767K-8.68%200K16.29%307K-51.14%86K-6.45%174K-39.56%845K9.50%219K-26.26%264K
-Gain loss on sale of assets 790.91%392K372.83%472K42,000.00%1.26M2,242.50%857K655.71%529K147.31%44K-388.33%-173K-100.16%-3K-117.78%-40K-86.77%70K
-Dividend income 25.40%390K27.71%401K125.84%1.41M50.94%403K108.24%379K245.56%311K273.81%314K64.81%623K206.90%267K116.67%182K
Credit losses provision 58.75%-2M-785K-228.46%-5.53M22.48%-200K34.48%-475K-978.44%-4.85M0-8.58%-1.68M-258K-81.25%-725K
Non interest expense 32.32%16.25M44.30%16.64M25.11%55.55M40.18%15.92M36.22%15.82M9.63%12.28M12.74%11.53M6.86%44.4M4.36%11.36M11.67%11.61M
Occupancy and equipment 59.94%1.56M58.22%1.56M33.54%4.95M56.98%1.51M63.82%1.48M6.09%976K6.83%986K6.26%3.7M12.15%960K5.88%901K
Professional expense and contract services expense 80.36%698K84.51%703K19.56%1.96M115.00%688K-13.95%506K-1.78%387K12.39%381K7.54%1.64M-14.21%320K89.68%588K
Selling and administrative expenses 22.87%10.13M35.58%10.82M27.89%36.47M38.80%9.87M46.34%10.38M13.48%8.24M13.18%7.98M7.91%28.51M5.71%7.11M5.91%7.09M
-General and administrative expense 22.87%10.13M35.58%10.82M27.89%36.47M38.80%9.87M46.34%10.38M13.48%8.24M13.18%7.98M7.91%28.51M5.71%7.11M5.91%7.09M
Depreciation amortization depletion 374.19%147K380.65%149K139.10%373K327.78%154K292.50%157K-22.50%31K-22.50%31K-18.75%156K-21.74%36K-16.67%40K
-Depreciation and amortization 374.19%147K380.65%149K139.10%373K327.78%154K292.50%157K-22.50%31K-22.50%31K-18.75%156K-21.74%36K-16.67%40K
Other non-interest expense 40.52%3.71M58.22%3.42M13.66%11.81M26.33%3.7M10.36%3.3M2.28%2.64M14.78%2.16M4.70%10.39M1.70%2.93M19.97%2.99M
Income from associates and other participating interests
Special income (charges) 0551.64%1.1M-3,074.32%-9.27M0-623K-8.4M-244K-292K-292K0
Gain on sale of business --0--1.1M--------------0--0------------
Less:Restructuring and mergern&acquisition --0--03,074.32%9.27M--0--623K--8.4M--244K--292K--292K--0
Other non-operating income (expenses)
Income before tax 219.80%6.39M0.29%8.5M-39.39%21.52M-4.92%9.22M-0.57%9.15M-163.60%-5.33M3.21%8.48M0.50%35.5M14.16%9.7M6.45%9.2M
Income tax 193.69%1.11M-8.20%1.48M-42.44%3.7M-7.78%1.68M-3.38%1.6M-180.16%-1.19M9.31%1.61M3.81%6.44M17.50%1.83M4.88%1.66M
Earnings from equity interest net of tax
Net income 227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M6.80%7.54M
Net Income continuous operations 227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M6.80%7.54M
Minority interest income
Net income attributable to the parent company 227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M6.80%7.54M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M6.80%7.54M
Basic earnings per share 209.90%1.11-13.73%1.4752-44.00%4.0198-18.79%1.5842-14.36%1.5941-159.31%-1.013.10%1.710.18%7.178214.20%1.95087.29%1.8614
Diluted earnings per share 209.90%1.11-13.73%1.4752-44.00%4.0198-18.79%1.5842-14.36%1.5941-159.31%-1.013.10%1.710.18%7.178214.20%1.95087.29%1.8614
Dividend per share 2.04%0.492.04%0.48513.12%1.92593.10%0.48513.10%0.48513.13%0.48023.13%0.47543.16%1.86783.15%0.47053.15%0.4705
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ----Unqualified Opinion--------Unqualified Opinion----

Analysis

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Price Target

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