CZFSNasdaqState Commercial BanksFiscal year ends December 31

CITIZENS FINANCIAL SERVICES INC

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026

$80.03+0.91 (+1.15%)

Close on Oct 16, 2026

Market cap: $384.32M
P/E (TTM): 9.4
Dividend yield: 2.47%

CITIZENS FINANCIAL SERVICES INC income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	9.88	9.61	8.97	8.59	7.74	6.66	6.93	6.51	51	46	38	38	37	38	36	34	31
Advertising Expenses	1.11	1.18	0.95	0.97	0.84	0.72	0.47	0.36	0.34	0.36	0.24	–	–	–	–	–	–
Interest Expense	–	–	47	11	7.11	8.11	12	9.57	5.84	5.04	4.82	4.95	6.32	7.66	9.68	11	13
Asset Impairment Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	–
Gain (Loss) on Investments	0.07	0.15	-0.14	-0.25	0.34	-0.11	0.12	0	0	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	0	1.10	0	0	–	–	–	–	–	–	–	–	–	–	–	–	–
Pretax Income	45	34	22	35	35	30	23	21	19	16	14	17	17	19	16	15	13
Income Tax Expense	8.67	6.07	3.76	6.44	6.20	5.26	3.82	3.40	6.03	3.03	2.72	3.56	3.75	4.33	3.61	3.16	2.68
Net Income	37	28	18	29	29	25	19	18	13	13	12	13	13	14	13	12	9.86
EPS (Basic)(per share)	7.62	5.80	3.98	7.17	7.24	6.46	5.42	5.04	3.67	3.57	3.60	4.36	4.38	4.61	4.16	3.90	3.37
EPS (Diluted)(per share)	7.62	5.79	3.98	7.17	7.24	6.46	5.41	5.04	3.67	3.57	3.60	4.36	4.38	4.60	4.16	3.90	–
Shares Outstanding (Basic, Weighted)(shares)	4.80	4.80	4.48	4.06	4.02	3.88	3.60	3.58	3.55	3.54	3.23	3.07	3.06	3.09	3.09	2.95	–
Shares Outstanding (Diluted, Weighted)(shares)	4.80	4.80	4.48	4.06	4.02	3.88	3.60	3.58	3.55	3.54	3.23	3.07	3.06	3.09	3.09	2.95	–
Dividend per Share(per share)	1.98	1.93	1.90	1.86	1.83	1.88	1.74	1.71	1.64	1.57	1.63	2.15	1.21	1.49	1.09	1.07	1.01
Total Interest Income	159	154	127	83	73	70	62	57	48	43	36	35	36	38	38	39	39
Net Interest Income	98	86	80	72	66	62	50	47	42	38	31	30	30	30	29	28	25
Non-Interest Income	14	15	12	9.74	12	11	8.39	7.74	8.66	7.90	7.42	7.36	7.42	7.97	6.92	6.30	6.10
Provision for Credit Losses	2.38	2.59	5.53	1.68	1.55	2.40	1.68	1.93	2.54	1.52	0.48	0.59	-0.41	-0.42	-0.68	1.26	0.93
Non-Interest Expense	65	65	65	45	42	41	33	32	29	29	23	20	20	19	18	18	18

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 416.6%
Return on equity, FY2025: 11.5%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 9.4
Price to sales: 39.00
Price to book: 1.09
Dividend yield: 2.47%