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Citizens Financial Services Inc (CZFS) Quarterly Income Statement

Quarterly · GAAP · USD millions
Access CZFS Annual Income Statement →
From Citizens Financial Services Inc through Sep 30 2025, changes in Sep 30 2026's revenue and cost structure provide insight into profitability trends.
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Quarterly Report, GAAP in USD millions
ITEM 		(Sep 30 2026)
Q3 2026 		(Jun 30 2026) (Mar 31 2026) (Dec 31 2025) (Sep 30 2025)
Revenues
Interest and Fee Income, Loans and Leases38.43
Interest and Dividend Income, Securities, Operating4.90
Interest Income, Domestic Deposits0.09
Other Income0.00
Total Interest Income43.41
Interest Expense, Deposits11.77
Interest Expense, Borrowings4.38
Net Interest (-)Expense / Income0.00
Net Interest Income27.26
Provision for loan losses0.37
Total Net Interest Income27.26
Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions0.62
Sales of Products2.72
Other Non-interest Income0.90
Loss / Gain on Investment0.66
Other Non-Interest Income0.00
Total Non-interest Income4.31
Total Revenues31.57
Costs & Expenses
Salaries & employee benefits, SGA10.63
Depreciation & Amortization0.15
Occupancy, Net1.24
Professional Fees0.53
Federal Deposit Insurance Corporation Premium Expense0.42
Other Noninterest Expense2.43
Other loss /-income0.00
Total Operating Expenses17.02
Total Costs & Expenses17.02
Income & Taxes
Income /-loss before income taxes14.54
Income taxes expenses/-benefit2.62
Income after income taxes11.92
Income /-loss after income taxes11.92
Net Income/-loss11.92
Income/-loss to shareholder11.92
Earnings Per Share
Basic EPS (excl. extra items)2.48
Basic Net EPS2.48
Basic shares outstanding (Mill. of Units)4.80
Diluted Net EPS2.48
Diluted average shares (Mill. of Units)4.80
Dividend per share0.51
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About Citizens Financial Services Inc Quarterly 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-Q 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.

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