CITIZENS FINANCIAL SERVICES INC (CZFS)
↓ Download CSV- Sector Finance & Real Estate
- Incorporated PA
- Fiscal year ends Dec 31
In fiscal 2025, CITIZENS FINANCIAL SERVICES INC reported revenue of $9.88M, up 2.8% from the prior year. The company was profitable, with a net margin of 370.1%. It held $3.06B in total assets against $2.73B in total liabilities.
Key ratios (FY2025)
370.1%
Net margin
10.8%
Return on equity
+2.8%
Revenue growth (YoY)
| Metric (FY) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.88M | $9.61M | $8.97M | $8.59M | $7.74M | $6.66M | $6.93M | $6.51M | — | — |
| Net Income | $36.57M | $27.82M | $17.81M | $29.06M | $29.12M | $25.10M | $19.49M | $18.03M | $13.03M | $12.64M |
| EPS (Diluted) | $7.62 | $5.80 | $3.98 | $7.17 | $7.24 | $6.46 | $5.42 | $5.04 | $3.67 | $3.57 |
| Total Assets | $3.06B | $3.03B | $2.98B | $2.33B | $2.14B | $1.89B | $1.47B | $1.43B | $1.36B | $1.22B |
| Total Liabilities | $2.73B | $2.73B | $2.70B | $2.13B | $1.93B | $1.70B | $1.31B | $1.29B | $1.23B | $1.10B |
| Shareholders' Equity | $338.05M | $299.73M | $279.67M | $200.15M | $212.49M | $194.26M | $154.77M | $139.23M | $129.01M | $123.27M |
| Cash & Equivalents | $34.29M | $42.20M | $52.82M | $26.21M | $172.83M | $68.71M | $18.52M | $16.80M | $18.52M | $17.75M |
| Operating Cash Flow | $36.53M | $33.18M | $26.54M | $33.24M | $38.69M | $11.82M | $21.77M | $21.49M | $15.74M | $16.19M |
| Capital Expenditures | $1.30M | $1.31M | $2.62M | $1.63M | $1.10M | $942.0K | $483.0K | $500.0K | $208.0K | $587.0K |
| Shares Outstanding | 4.80M | 4.80M | 4.48M | 4.06M | 4.02M | 3.88M | 3.60M | 3.58M | 3.55M | 3.54M |
| Dividends Per Share | $1.98 | $1.93 | $1.90 | $1.86 | $1.83 | $1.88 | $1.74 | $1.71 | $1.64 | $1.57 |