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Citizens Financial Services Inc (CZFS) Annual Income Statement

Annual · GAAP · USD millions
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From Citizens Financial Services Inc through Dec 31 2021, changes in Dec 31 2025's revenue and cost structure provide insight into profitability trends.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases144.43
Interest and Dividend Income, Securities, Operating14.24
Interest Income, Domestic Deposits0.50
Other Income0.00
Total Interest Income159.17
Interest Expense, Deposits47.05
Interest Expense, Borrowings14.12
Total Interest Expense0.00
Net Interest Income98.00
Provision for loan losses2.38
Total Net Interest Income95.63
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions2.63
Sales of Products9.88
Other Non-interest Income3.00
Gain (Loss) on Disposition of Assets and Other Investments0.00
Loss / Gain on Investment2.29
Other Non-Interest Income0.00
Total Non-interest Income14.34
Total Revenues9.88
Costs & Expenses
Salaries & employee benefits, SGA40.52
Restructuring, Accretion & impairment charges0.00
Depreciation & Amortization2.37
Occupancy, Net5.30
Professional Fees2.34
Federal Deposit Insurance Corporation Premium Expense1.71
Other Noninterest Expense11.44
Other loss /-income0.00
Total Operating Expenses64.73
Total Costs & Expenses0.00
Income & Taxes
Income /-loss before income taxes45.24
Income taxes expenses/-benefit8.67
Income after income taxes36.57
Net income/-loss of other equity0.00
Income /-loss after income taxes36.57
Net Income/-loss36.57
Income/-loss to shareholder36.57
Earnings Per Share
Basic EPS (excl. extra items)7.62
Basic Net EPS7.62
Basic shares outstanding (Mill. of Units)4.80
Diluted Net EPS7.62
Diluted average shares (Mill. of Units)4.80
Dividend per share1.98
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About Citizens Financial Services Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.