Stocktoria
CITIZENS FINANCIAL SERVICES INC CZFS
CITIZENS FINANCIAL SERVICES INC financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.9M | $9.6M | $9.0M | $8.6M | $7.7M | $6.7M | $6.9M | $6.5M | — | — |
| Interest expense | — | — | $46.9M | $11.2M | $7.1M | $8.1M | $12.0M | $9.6M | $5.8M | $5.0M |
| Income tax | $8.7M | $6.1M | $3.8M | $6.4M | $6.2M | $5.3M | $3.8M | $3.4M | $6.0M | $3.0M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M | $29.1M | $25.1M | $19.5M | $18.0M | $13.0M | $12.6M |
| EPS (diluted) | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 | $6.46 | $5.41 | $5.04 | $3.67 | $3.57 |
| Operating cash flow | $36.5M | $33.2M | $26.5M | $33.2M | $38.7M | $11.8M | $21.8M | $21.5M | $15.7M | $16.2M |
| Cash & equivalents | $34.3M | $42.2M | $52.8M | $26.2M | $172.8M | $68.7M | $18.5M | $16.8M | $18.5M | $17.8M |
| Total assets | $3.1B | $3.0B | $3.0B | $2.3B | $2.1B | $1.9B | $1.5B | $1.4B | $1.4B | $1.2B |
| Total liabilities | $2.7B | $2.7B | $2.7B | $2.1B | $1.9B | $1.7B | $1.3B | $1.3B | $1.2B | $1.1B |
| Shareholders' equity | $338.1M | $299.7M | $279.7M | $200.1M | $212.5M | $194.3M | $154.8M | $139.2M | $129.0M | $123.3M |
Growth · year-over-year · Revenue CAGR 6.1%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +2.8% | +7.1% | +4.5% | +11.0% | +16.2% | -3.8% | +6.4% | — | — | — |
| Net income growth | +31.5% | +56.2% | -38.7% | -0.2% | +16.0% | +28.8% | +8.1% | +38.5% | +3.1% | +8.7% |
| EPS growth | +31.6% | +45.5% | -44.5% | -1.0% | +12.1% | +19.4% | +7.3% | +37.3% | +2.8% | -0.8% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.