Citizens Financial Services, Inc. (CZFS) - Quarterly Income Statement

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CZFS
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61.21 (USD) • At close July 1, 2025

Overview | Financials

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

	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3	2021 Q2	2021 Q1	2020 Q4	2020 Q3	2020 Q2	2020 Q1	2019 Q4	2019 Q3	2019 Q2	2019 Q1	2018 Q4	2018 Q3	2018 Q2	2018 Q1	2017 Q4	2017 Q3	2017 Q2	2017 Q1	2016 Q4	2016 Q3	2016 Q2	2016 Q1	2015 Q4	2015 Q3	2015 Q2	2015 Q1	2014 Q4	2014 Q3	2014 Q2	2014 Q1	2013 Q4	2013 Q3	2013 Q2	2013 Q1	2012 Q4	2012 Q3	2012 Q2	2012 Q1	2011 Q4	2011 Q3	2011 Q2	2011 Q1	2010 Q4	2010 Q3	2010 Q2	2010 Q1	2009 Q4	2009 Q3	2009 Q2	2009 Q1	2008 Q4	2008 Q3	2008 Q2	2008 Q1	2007 Q4	2007 Q3	2007 Q2	2007 Q1	2006 Q4	2006 Q3	2006 Q2	2006 Q1	2005 Q4	2005 Q3	2005 Q2	2005 Q1	2004 Q4	2004 Q3	2004 Q2	2004 Q1	2003 Q4	2003 Q3	2003 Q2	2003 Q1	2002 Q4	2002 Q3	2002 Q2	2002 Q1	2001 Q4	2001 Q3	2001 Q2	2001 Q1	2000 Q4	2000 Q3	2000 Q2	2000 Q1	1999 Q2
Revenue Numbers are in millions	42.441	43.132	42.444	41.238	41.802	42.001	40.351	29.09	27.281	26.663	24.475	21.711	20.246	21.017	21.194	20.781	22.53	22.375	21.924	20.229	17.19	17.736	18.051	17.529	17.05	17.065	16.269	15.87	15.289	15.707	14.041	13.666	13.335	13.261	12.856	12.409	12.378	11.126	10.728	10.723	10.499	10.703	10.732	10.644	10.568	10.848	11.158	10.726	10.851	11.507	11.42	11.542	11.453	11.759	11.441	11.363	11.088	11.384	11.215	11.291	11.12	11.228	11.119	11.164	10.951	10.852	6.621	10.504	10.417	10.449	10.357	10.49	9.813	9.941	9.596	9.267	8.763	8.741	8.497	8.168	7.989	7.297	8.008	7.807	7.788	7.586	7.655	7.812	7.874	8.051	8.109	8.165	8.098	8.413	8.364	8.537	8.014	7.91	7.108	6.987	6.887	11,422.389
Cost of Revenue Numbers are in millions	16.637	16.92	17.165	18.604	17.76	16.857	14.76	13.742	7.027	5.313	3.662	2.128	1.803	1.636	2.152	2.363	2.504	2.766	2.466	2.424	2.849	3.322	3.375	3.516	3.502	3.47	2.964	2.602	2.463	2.459	2.003	1.999	1.918	2.043	1.736	1.39	1.392	1.331	1.338	1.327	1.304	1.316	1.384	1.389	1.449	1.56	1.652	1.672	1.836	1.878	1.964	2.053	2.184	2.405	2.556	2.639	2.758	3.057	3.057	3.193	3.288	3.382	3.677	3.509	3.588	3.625	3.487	3.356	3.92	4.296	4.354	4.281	4.355	4.28	4.021	3.658	3.324	3.05	2.829	2.635	2.546	2.47	2.379	2.209	2.177	2.159	2.269	2.384	2.448	2.626	2.647	2.722	2.843	3.192	3.805	3.865	3.89	4.256	3.624	3.527	3.442	2,684.354
Gross Profit Numbers are in millions	25.804	26.212	25.079	22.634	24.042	25.344	25.591	15.348	20.254	21.35	20.813	19.407	18.443	19.381	19.042	18.418	20.026	19.609	19.458	17.805	14.341	14.414	14.676	14.013	13.548	13.595	13.305	13.268	12.826	13.248	12.12	11.778	11.417	11.218	11.12	11.019	10.986	9.795	9.39	9.396	9.195	9.387	9.348	9.255	9.119	9.378	9.506	9.054	9.015	9.629	9.474	9.489	9.269	9.354	8.936	8.748	8.33	8.327	8.158	8.098	7.832	7.846	7.442	7.655	7.363	7.227	3.134	7.148	6.497	6.153	6.063	6.254	5.458	5.661	5.575	5.609	5.439	5.721	5.698	5.533	5.443	4.827	5.629	5.598	5.611	5.427	5.386	5.428	5.426	5.425	5.462	5.443	5.255	5.221	4.559	4.672	4.124	3.654	3.484	3.46	3.444	8,738.035
Gross Profit Ratio Numbers are in millions	0.608	0.608	0.591	0.549	0.575	0.603	0.634	0.528	0.742	0.801	0.85	0.894	0.911	0.922	0.898	0.886	0.889	0.876	0.888	0.88	0.834	0.813	0.813	0.799	0.795	0.797	0.818	0.836	0.839	0.843	0.863	0.862	0.856	0.846	0.865	0.888	0.888	0.88	0.875	0.876	0.876	0.877	0.871	0.87	0.863	0.864	0.852	0.844	0.831	0.837	0.83	0.822	0.809	0.795	0.781	0.77	0.751	0.731	0.727	0.717	0.704	0.699	0.669	0.686	0.672	0.666	0.473	0.681	0.624	0.589	0.585	0.596	0.556	0.569	0.581	0.605	0.621	0.655	0.671	0.677	0.681	0.662	0.703	0.717	0.72	0.715	0.704	0.695	0.689	0.674	0.674	0.667	0.649	0.621	0.545	0.547	0.515	0.462	0.49	0.495	0.5	0.765
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	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	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	0	0	0	0	0	0
General & Administrative Expenses Numbers are in millions	10.739	10.132	10.27	10.126	10.815	9.867	10.38	8.241	7.977	7.109	7.093	7.262	7.048	6.725	6.697	6.61	6.392	6.914	6.237	6.03	5.485	5.206	5.076	5.109	5.14	4.933	4.799	4.844	4.935	4.666	4.382	4.472	4.471	4.423	4.46	4.06	4.039	3.502	3.185	3.109	3.172	3.021	2.906	3.009	3.03	3.049	2.968	2.908	2.917	3.007	2.82	2.783	2.876	2.481	2.574	2.768	2.765	1.858	2.681	2.633	2.441	1.424	2.67	2.707	2.671	2.215	2.248	2.158	2.156	2.13	2.13	2.033	2.093	1.948	2.055	1.987	2.036	1.757	1.993	1.974	1.921	1.959	1.905	1.847	1.925	1.788	2.68	1.942	1.894	1.694	1.905	1.808	1.714	1.868	1.678	1.571	1.48	1.403	1.179	1.105	1.081	315.559
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	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	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	0	0	0	0	0	0
SG&A Numbers are in millions	10.739	10.132	10.27	10.126	10.815	9.867	10.38	8.241	7.977	7.109	7.093	7.262	7.048	6.725	6.697	6.61	6.392	6.914	6.237	6.03	5.485	5.206	5.076	5.109	5.14	4.933	4.799	4.844	4.935	4.666	4.382	4.472	4.471	4.423	4.46	4.06	4.039	3.502	3.185	3.109	3.172	3.021	2.906	3.009	3.03	3.049	2.968	2.908	2.917	3.007	2.82	2.783	2.876	2.481	2.574	2.768	2.765	1.858	2.681	2.633	2.441	1.424	2.67	2.707	2.671	2.215	2.248	2.158	2.156	2.13	2.13	2.033	2.093	1.948	2.055	1.987	2.036	1.757	1.993	1.974	1.921	1.959	1.905	1.847	1.925	1.788	2.68	1.942	1.894	1.694	1.905	1.808	1.714	1.868	1.678	1.571	1.48	1.403	1.179	1.105	1.081	315.559
Other Expenses Numbers are in millions	5.689	6.536	5.759	6.12	4.726	6.053	6.064	12.439	3.801	4.54	4.521	3.938	3.183	4.158	3.703	3.71	3.555	3.907	3.455	5.383	3.436	3.162	3.338	3.128	3.182	3.302	2.989	2.858	2.897	3.044	2.865	2.694	2.72	2.835	2.74	3.241	2.873	3.312	2.667	2.319	2.163	1.986	2.161	1.991	2.061	2.033	1.997	1.959	1.905	1.938	2.139	1.782	1.952	2.382	1.924	1.942	2.015	2.729	1.805	1.723	1.887	3.022	1.78	1.784	1.701	1.777	1.784	1.78	1.759	1.663	1.658	1.923	1.685	1.753	1.643	1.75	1.855	2.124	1.828	1.888	1.91	1.838	1.875	1.828	1.746	1.961	1.811	1.688	1.737	1.905	1.666	1.913	1.885	2.048	1.849	1.845	1.716	1.811	1.178	1.253	1.181	0
Operating Expenses Numbers are in millions	16.428	16.668	16.029	16.246	15.541	15.92	16.444	20.68	11.778	11.649	11.614	11.2	10.231	10.883	10.4	10.32	9.947	10.821	9.692	11.413	8.921	8.368	8.414	8.237	8.322	8.235	7.788	7.702	7.832	7.71	7.247	7.166	7.191	7.258	7.2	7.301	6.912	6.814	5.852	5.428	5.335	5.007	5.067	5	5.091	5.082	4.965	4.867	4.822	4.945	4.959	4.565	4.828	4.863	4.498	4.71	4.78	4.587	4.486	4.356	4.328	4.446	4.45	4.491	4.372	3.992	4.032	3.938	3.915	3.793	3.788	3.956	3.778	3.701	3.698	3.737	3.891	3.881	3.821	3.862	3.831	3.797	3.78	3.675	3.671	3.749	4.491	3.63	3.631	3.599	3.571	3.721	3.599	3.916	3.527	3.416	3.196	3.214	2.357	2.358	2.262	315.559
Operating Income Numbers are in millions	9.376	9.544	9.25	6.388	8.501	9.224	9.147	-5.332	8.476	9.701	9.199	8.383	8.212	8.498	8.642	8.098	10.079	8.788	9.766	6.392	5.42	6.046	6.262	5.776	5.226	5.36	5.517	5.566	4.994	5.538	4.791	4.501	4.226	3.96	3.92	3.718	4.074	2.981	3.538	3.968	3.86	4.38	4.281	4.255	4.028	4.206	4.541	4.187	4.193	4.684	4.497	4.924	4.441	4.491	4.387	4.014	3.55	3.74	3.672	3.742	3.504	3.4	2.992	3.164	2.991	3.235	-0.898	3.21	2.582	2.36	2.215	2.253	1.68	1.96	1.877	1.872	1.548	1.81	1.847	1.671	1.612	1.03	1.849	1.923	1.94	1.678	0.895	1.798	1.795	1.826	1.891	1.722	1.656	1.305	1.025	1.256	0.928	0.44	1.127	1.102	1.182	1,379.906
Operating Income Ratio Numbers are in millions	0.221	0.221	0.218	0.155	0.203	0.22	0.227	-0.183	0.311	0.364	0.376	0.386	0.406	0.404	0.408	0.39	0.447	0.393	0.445	0.316	0.315	0.341	0.347	0.33	0.307	0.314	0.339	0.351	0.327	0.353	0.341	0.329	0.317	0.299	0.305	0.3	0.329	0.268	0.33	0.37	0.368	0.409	0.399	0.4	0.381	0.388	0.407	0.39	0.386	0.407	0.394	0.427	0.388	0.382	0.383	0.353	0.32	0.329	0.327	0.331	0.315	0.303	0.269	0.283	0.273	0.298	-0.136	0.306	0.248	0.226	0.214	0.215	0.171	0.197	0.196	0.202	0.177	0.207	0.217	0.205	0.202	0.141	0.231	0.246	0.249	0.221	0.117	0.23	0.228	0.227	0.233	0.211	0.204	0.155	0.123	0.147	0.116	0.056	0.159	0.158	0.172	0.121
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	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	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	0	0	0	0	0	1,065.413
Income Before Tax Numbers are in millions	9.376	9.544	9.25	6.388	8.501	9.224	9.147	-5.332	8.476	9.701	9.199	8.383	8.212	8.498	8.642	8.098	10.079	8.788	9.766	6.392	5.42	6.046	6.262	5.776	5.226	5.36	5.517	5.566	4.994	5.538	4.791	4.501	4.226	3.96	3.92	3.718	4.074	2.981	3.538	3.968	3.86	4.38	4.281	4.255	4.028	4.206	4.541	4.187	4.193	4.684	4.497	4.924	4.441	4.491	4.387	4.014	3.55	3.74	3.672	3.742	3.504	3.4	2.992	3.164	2.991	3.235	-0.898	3.21	2.582	2.36	2.215	2.253	1.68	1.96	1.877	1.872	1.548	1.81	1.847	1.671	1.612	1.03	1.849	1.923	1.94	1.678	0.895	1.798	1.795	1.826	1.891	1.722	1.656	1.305	1.032	1.256	0.928	0.44	1.127	1.102	1.182	2,445.319
Income Before Tax Ratio Numbers are in millions	0.221	0.221	0.218	0.155	0.203	0.22	0.227	-0.183	0.311	0.364	0.376	0.386	0.406	0.404	0.408	0.39	0.447	0.393	0.445	0.316	0.315	0.341	0.347	0.33	0.307	0.314	0.339	0.351	0.327	0.353	0.341	0.329	0.317	0.299	0.305	0.3	0.329	0.268	0.33	0.37	0.368	0.409	0.399	0.4	0.381	0.388	0.407	0.39	0.386	0.407	0.394	0.427	0.388	0.382	0.383	0.353	0.32	0.329	0.327	0.331	0.315	0.303	0.269	0.283	0.273	0.298	-0.136	0.306	0.248	0.226	0.214	0.215	0.171	0.197	0.196	0.202	0.177	0.207	0.217	0.205	0.202	0.141	0.231	0.246	0.249	0.221	0.117	0.23	0.228	0.227	0.233	0.211	0.204	0.155	0.123	0.147	0.116	0.056	0.159	0.158	0.172	0.214
Income Tax Expense Numbers are in millions	1.755	1.561	1.714	1.113	1.477	1.684	1.599	-1.188	1.609	1.826	1.655	1.482	1.472	1.554	1.578	1.451	1.616	1.561	1.759	1.054	0.889	1.003	1.066	0.93	0.821	0.845	0.936	0.875	0.747	2.934	1.141	1.033	0.923	0.789	0.767	0.687	0.791	0.521	0.681	0.779	0.74	0.904	0.913	0.89	0.852	0.91	1.029	0.907	0.906	1.135	1.033	1.171	0.992	1.014	1.009	0.867	0.72	0.808	0.775	0.815	0.758	0.742	0.604	0.692	0.645	-0.255	0.154	0.764	0.561	0.518	0.461	0.493	0.3	0.47	0.329	0.386	0.272	0.434	0.529	0.358	0.345	0.146	0.426	0.455	0.447	0.351	0.089	0.416	0.43	0.437	0.46	0.391	0.381	0.261	0.147	0.219	0.137	-0.022	0.216	0.205	0.245	603.816
Net Income Numbers are in millions	7.621	7.983	7.536	5.275	7.024	7.54	7.548	-4.144	6.867	7.875	7.544	6.901	6.74	6.944	7.064	6.647	8.463	7.227	8.007	5.338	4.531	5.043	5.196	4.846	4.405	4.515	4.581	4.691	4.247	2.604	3.65	3.468	3.303	3.171	3.153	3.031	3.283	2.46	2.857	3.189	3.12	3.476	3.368	3.365	3.176	3.296	3.512	3.28	3.287	3.549	3.464	3.753	3.449	3.477	3.378	3.147	2.83	2.932	2.897	2.927	2.746	2.658	2.388	2.472	2.346	3.49	-1.052	2.446	2.021	1.842	1.754	1.76	1.38	1.49	1.548	1.486	1.276	1.376	1.318	1.313	1.267	0.884	1.423	1.468	1.493	1.327	0.806	1.382	1.365	1.389	1.431	1.331	1.275	1.044	0.885	1.037	0.791	0.462	0.911	0.897	0.938	1,841.503
Net Income Ratio Numbers are in millions	0.18	0.185	0.178	0.128	0.168	0.18	0.187	-0.142	0.252	0.295	0.308	0.318	0.333	0.33	0.333	0.32	0.376	0.323	0.365	0.264	0.264	0.284	0.288	0.276	0.258	0.265	0.282	0.296	0.278	0.166	0.26	0.254	0.248	0.239	0.245	0.244	0.265	0.221	0.266	0.297	0.297	0.325	0.314	0.316	0.301	0.304	0.315	0.306	0.303	0.308	0.303	0.325	0.301	0.296	0.295	0.277	0.255	0.258	0.258	0.259	0.247	0.237	0.215	0.221	0.214	0.322	-0.159	0.233	0.194	0.176	0.169	0.168	0.141	0.15	0.161	0.16	0.146	0.157	0.155	0.161	0.159	0.121	0.178	0.188	0.192	0.175	0.105	0.177	0.173	0.173	0.176	0.163	0.157	0.124	0.106	0.121	0.099	0.058	0.128	0.128	0.136	0.161
EPS Numbers are in millions	1.6	1.68	1.59	1.11	1.48	1.58	1.59	-1	1.71	1.95	1.86	1.71	1.66	1.71	1.75	1.65	2.08	1.78	1.96	1.34	1.23	1.36	1.42	1.31	1.19	1.22	1.23	1.26	1.14	0.7	0.98	0.93	0.89	0.84	0.84	0.81	0.87	0.7	0.84	0.93	0.91	1	0.98	0.98	0.91	0.95	1.02	0.94	0.95	1.02	0.99	1.07	0.98	1.02	0.95	0.89	0.8	0.85	0.81	0.82	0.77	0.77	0.67	0.69	0.66	1.01	-0.3	0.69	0.57	0.53	0.49	0.49	0.38	0.43	0.43	0.41	0.35	0.39	0.36	0.35	0.34	0.25	0.38	0.39	0.4	0.37	0.21	0.37	0.36	0.38	0.38	0.36	0.34	0.29	0.24	0.27	0.21	0.13	0.24	0.24	0.25	663.98
EPS Diluted Numbers are in millions	1.6	1.68	1.59	1.11	1.48	1.58	1.59	-1	1.71	1.95	1.86	1.71	1.66	1.71	1.75	1.65	2.08	1.78	1.96	1.34	1.23	1.36	1.42	1.31	1.2	1.22	1.23	1.26	1.14	0.7	0.98	0.93	0.89	0.84	0.84	0.81	0.87	0.7	0.84	0.93	0.91	1	0.98	0.98	0.91	0.95	1.02	0.94	0.95	1.02	0.99	1.07	0.98	1.02	0.95	0.89	0.8	0.85	0.81	0.82	0.77	0.77	0.67	0.2	0.66	1.01	-0.3	0.69	0.57	0.53	0.49	0.49	0.38	0.43	0.43	0.41	0.35	0.39	0.36	0.35	0.34	0.25	0.38	0.39	0.4	0.37	0.21	0.37	0.36	0.38	0.38	0.36	0.34	0.29	0.24	0.27	0.21	0.13	0.24	0.24	0.25	663.98
EBITDA Numbers are in millions	9.825	9.969	9.673	6.847	9	9.722	9.639	-5.066	8.74	9.961	9.453	8.64	8.474	8.771	8.916	8.378	10.365	7.614	10.073	6.677	5.667	6.187	6.352	5.86	5.409	5.446	5.636	5.679	5.063	5.417	4.913	4.592	4.334	4.015	4.01	3.817	4.15	3.075	3.672	4.079	3.985	4.494	4.406	4.361	4.155	4.316	4.643	4.303	4.293	4.793	4.597	5.03	4.546	4.566	4.509	4.144	3.692	3.835	3.793	3.88	3.607	3.578	3.163	3.306	3.154	3.406	-0.78	3.385	2.763	2.556	2.415	2.476	1.926	2.014	2.207	2.236	2.068	2.206	2.389	2.214	2.17	1.621	2.438	2.535	2.504	2.236	1.597	2.43	2.39	3.196	1.399	2.351	2.286	1.903	1.567	1.796	1.422	0.852	1.388	1.37	1.445	1,379.906
EBITDA Ratio Numbers are in millions	0.231	0.231	0.228	0.166	0.215	0.231	0.239	-0.174	0.32	0.374	0.386	0.398	0.419	0.417	0.421	0.403	0.46	0.34	0.459	0.33	0.33	0.349	0.352	0.334	0.317	0.319	0.346	0.358	0.331	0.345	0.35	0.336	0.325	0.303	0.312	0.308	0.335	0.276	0.342	0.38	0.38	0.42	0.411	0.41	0.393	0.398	0.416	0.401	0.396	0.417	0.403	0.436	0.397	0.388	0.394	0.365	0.333	0.337	0.338	0.344	0.324	0.319	0.284	0.296	0.288	0.314	-0.118	0.322	0.265	0.245	0.233	0.236	0.196	0.203	0.23	0.241	0.236	0.252	0.281	0.271	0.272	0.222	0.304	0.325	0.322	0.295	0.209	0.311	0.304	0.397	0.173	0.288	0.282	0.226	0.187	0.21	0.177	0.108	0.195	0.196	0.21	0.121

Citizens Financial Services, Inc.

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