Citizens Financial Services, Inc. (CZFS)

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CZFS
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58.72 (USD) • At close June 30, 2025

Overview | Financials

Numbers are in millions (except for per share data and ratios) USD.

	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993
Revenue Numbers are in millions	168.616	138.723	93.095	85.522	81.267	70.366	64.493	56.749	50.904	43.076	42.647	43.657	46.053	45.209	45.296	44.462	38.394	41.109	37.567	33.387	30.898	30.927	32.423	33.314	28.887	26.17	14.433	14.272	12.463	11.266	9.335	9.234
Cost of Revenue Numbers are in millions	70.449	52.386	12.906	8.655	10.505	13.715	11.499	8.379	6.561	5.3	5.538	6.72	8.079	10.358	12.595	14.156	14.388	17.287	15.283	11.06	9.235	9.261	10.839	14.751	14.848	12.541	12.138	11.82	11.072	10.014	8.199	8.168
Gross Profit Numbers are in millions	98.167	86.337	80.189	76.867	71.213	56.651	52.994	48.093	44.343	37.776	37.109	36.937	38.263	34.851	32.701	30.306	24.006	23.822	22.284	22.387	21.663	21.666	21.584	18.563	14.039	13.629	2.295	2.452	1.391	1.252	1.136	1.066
Gross Profit Ratio Numbers are in millions	0.582	0.622	0.861	0.899	0.876	0.805	0.822	0.847	0.871	0.877	0.87	0.846	0.831	0.771	0.722	0.682	0.625	0.579	0.593	0.671	0.701	0.701	0.666	0.557	0.486	0.521	0.159	0.172	0.112	0.111	0.122	0.115
Reseach & Development Expenses Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General & Administrative Expenses Numbers are in millions	41.343	36.465	28.513	26.424	24.666	20.531	19.511	18.04	16.982	12.968	11.966	11.842	11.486	10.588	10.8	9.472	8.725	8.386	8.026	7.645	7.636	8.304	7.12	6.597	4.768	4.32	3.848	3.882	3.418	3.15	3.088	2.782
Selling & Marketing Expenses Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
SG&A Numbers are in millions	41.343	36.465	28.513	26.424	24.666	20.531	19.511	18.04	17.105	12.968	11.966	11.842	11.486	10.588	10.8	9.472	8.725	8.386	8.026	7.645	7.636	8.304	7.12	6.597	4.768	4.32	3.848	3.882	3.418	3.15	3.088	2.782
Other Expenses Numbers are in millions	23.141	28.357	16.181	15.126	16.181	12.81	12.046	11.274	11.566	10.461	8.199	7.968	7.942	7.821	7.243	8.287	7.152	6.928	7.001	7.742	7.286	7.197	7.106	7.444	5.419	4.713	-6.584	-6.935	-6.337	-5.893	-5.735	-5.048
Operating Expenses Numbers are in millions	64.484	64.822	44.694	41.55	40.847	33.341	31.557	29.314	28.671	23.429	20.165	19.81	19.428	18.409	18.043	17.759	15.877	15.314	15.027	15.387	14.922	15.501	14.226	14.041	10.187	9.033	-2.736	-3.053	-2.919	-2.743	-2.647	-2.266
Operating Income Numbers are in millions	33.683	21.515	35.495	35.317	30.366	23.31	21.437	19.056	15.672	14.347	16.944	17.127	18.546	16.496	14.658	12.601	8.129	8.508	7.257	6.94	6.741	6.165	7.358	4.522	3.852	4.596	5.031	5.505	4.31	3.995	3.783	3.332
Operating Income Ratio Numbers are in millions	0.2	0.155	0.381	0.413	0.374	0.331	0.332	0.336	0.308	0.333	0.397	0.392	0.403	0.365	0.324	0.283	0.212	0.207	0.193	0.208	0.218	0.199	0.227	0.136	0.133	0.176	0.349	0.386	0.346	0.355	0.405	0.361
Total Other Income Expenses Net Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Income Before Tax Numbers are in millions	33.683	21.515	35.495	35.317	30.366	23.31	21.437	19.056	15.672	14.347	16.944	17.127	18.546	16.442	14.658	12.547	8.129	8.508	7.257	6.94	6.741	6.165	7.358	4.522	3.852	4.596	5.031	5.505	4.31	3.995	3.783	3.332
Income Before Tax Ratio Numbers are in millions	0.2	0.155	0.381	0.413	0.374	0.331	0.332	0.336	0.308	0.333	0.397	0.392	0.403	0.364	0.324	0.282	0.212	0.207	0.193	0.208	0.218	0.199	0.227	0.136	0.133	0.176	0.349	0.386	0.346	0.355	0.405	0.361
Income Tax Expense Numbers are in millions	5.865	3.704	6.435	6.199	5.263	3.82	3.403	6.031	3.034	2.721	3.559	3.752	4.331	3.61	3.156	2.683	1.224	1.772	1.457	1.666	1.474	1.286	1.763	0.765	0.644	1.043	1.401	1.673	1.307	1.161	1.158	0.908
Net Income Numbers are in millions	27.818	17.811	29.06	29.118	25.103	19.49	18.034	13.025	12.638	11.626	13.385	13.375	14.215	12.832	11.502	9.864	6.905	6.736	5.8	5.274	5.267	4.879	5.595	3.757	3.208	3.553	3.489	3.832	3.003	2.834	2.625	2.424
Net Income Ratio Numbers are in millions	0.165	0.128	0.312	0.34	0.309	0.277	0.28	0.23	0.248	0.27	0.314	0.306	0.309	0.284	0.254	0.222	0.18	0.164	0.154	0.158	0.17	0.158	0.173	0.113	0.111	0.136	0.242	0.268	0.241	0.252	0.281	0.263
EPS Numbers are in millions	5.86	4.02	7.17	7.16	6.34	5.27	4.84	3.49	3.36	3.39	3.88	3.85	4.05	3.62	3.23	2.76	1.93	1.85	1.58	1.42	1.38	1.3	1.49	0.99	0.85	0.93	0.9	1	0.78	0.74	0.68	0.63
EPS Diluted Numbers are in millions	5.85	4.02	7.17	7.16	6.33	5.26	4.84	3.49	3.36	3.37	3.87	3.85	4.09	3.62	3.23	2.76	1.93	1.85	1.58	1.42	1.38	1.3	1.49	0.99	0.85	0.93	0.9	1	0.78	0.74	0.68	0.63
EBITDA Numbers are in millions	35.489	23.035	36.528	36.43	31.504	24.353	21.824	19.256	15.992	14.811	17.416	17.555	18.966	16.911	15.115	13.201	8.77	9.373	8.525	8.979	9.097	8.652	9.495	6.689	5.055	5.73	5.792	6.093	4.752	4.407	4.223	3.77
EBITDA Ratio Numbers are in millions	0.21	0.166	0.392	0.426	0.388	0.346	0.338	0.339	0.314	0.344	0.408	0.402	0.412	0.374	0.334	0.297	0.228	0.228	0.227	0.269	0.294	0.28	0.293	0.201	0.175	0.219	0.401	0.427	0.381	0.391	0.452	0.408

Citizens Financial Services, Inc.

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