Name: Citizens Financial Services, Inc. (CZFS) Financial Statements
Creator: FinSpry

Citizens Financial Services Income Statement Analysis

Revenue, earnings, and profit margins in millions USD

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Citizens Financial Services, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Revenue & Gross Profit
Revenue	173.24	99.27	86.34	81.87	78.42	73.61	58.33
Cost of Revenue	63.54	70.45	0.00	0.00	0.00	0.00	0.00
Gross Profit	109.70	98.17	0.00	0.00	0.00	0.00	0.00
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	45.91	41.34	36.47	28.51	26.42	24.67	20.53
Operating Expenses	64.61	64.48	0.00	0.00	0.00	0.00	0.00
Operating Income	45.09	33.68	0.00	0.00	0.00	0.00	0.00
Other Income/Expense
Interest Income	159.17	152.77	125.71	83.36	73.22	70.30	61.98
Interest Expense	61.17	67.86	46.86	11.22	7.11	8.11	12.04
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	45.09	33.68	21.52	35.50	35.32	30.37	23.31
Income Tax Expense	8.52	5.87	3.70	6.44	6.20	5.26	3.82
Net Income	36.57	27.82	17.81	29.06	29.12	25.10	19.49
Net Income - Continuous Operations	36.57	27.82	17.81	29.06	29.12	0.00	0.00
Net Income - Discontinued Operations	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA	45.09	35.49	0.00	0.00	0.00	0.00	0.00
EBIT	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	0.00	1.81	0.37	0.88	0.92	0.92	0.00
Earnings Per Share
Basic EPS	8.00	6.00	4.00	7.00	7.00	6.00	5.00
Diluted EPS	8.00	6.00	4.00	7.00	7.00	6.00	5.00
Basic Shares Outstanding	4.80	4.80	4.47	4.05	4.06	3.96	3.70
Diluted Shares Outstanding	4.80	4.80	4.47	4.05	4.06	3.96	3.70