Citizens Financial Services, Inc. (CZFS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 26.11M | 26.21M | 61.81M | 23.24M | 22.57M | 22.5M | 20.94M | 20.91M | 20.56M | 21.45M | 22.02M | 17.61M | 17.77M | 19.03M | 18.66M | 17.64M | 16.18M | 16.78M | 16.51M | 16.11M |
| NII Growth % | 15.68% | 16.48% | 195.24% | 11.14% | 9.81% | 4.89% | -4.94% | 18.74% | 15.71% | 12.73% | 18.01% | -0.16% | 9.82% | 13.4% | 13.07% | 9.52% | -0.99% | 2.19% | 0.82% | -0.7% |
| Net Interest Margin % | 0.86% | 0.86% | 2.02% | 0.78% | 0.75% | 0.74% | 0.69% | 0.71% | 0.7% | 0.72% | 0.74% | 0.61% | 0.76% | 0.82% | 0.79% | 0.8% | 0.74% | 0.78% | 0.81% | 0.8% |
| Interest Income | 40.28M | 41.15M | 76.92M | 38.34M | 38.59M | 39.42M | 38.3M | 37.51M | 37.53M | 38.11M | 36.31M | 26.5M | 24.79M | 24.09M | 21.6M | 19.32M | 17.73M | 18.42M | 18.26M | 17.97M |
| Interest Expense | 14.16M | 14.94M | 15.11M | 15.1M | 16.01M | 16.92M | 17.36M | 16.6M | 16.98M | 16.66M | 14.29M | 8.89M | 7.03M | 5.05M | 2.94M | 1.68M | 1.55M | 1.64M | 1.75M | 1.86M |
| Loan Loss Provision | 500K | 500K | 500K | 750K | 625K | 0 | -200K | 2M | 785K | 200K | 475K | 4.85M | 0 | 258K | 725K | 450K | 250K | 0 | 400K | 500K |
| Non-Interest Income | 3.49M | 3.33M | -32.82M | 4.07M | 3.86M | 3.71M | 4.14M | 3.73M | 4.27M | 3.89M | 4.04M | 2.59M | 2.49M | 2.58M | 2.87M | 2.39M | 2.52M | 2.6M | 2.94M | 2.81M |
| Non-Interest Income % | 7.98% | 7.48% | -74.4% | 9.61% | 9.09% | 8.6% | 9.76% | 9.04% | 10.21% | 9.27% | 10.01% | 8.91% | 9.12% | 9.67% | 11.74% | 11.03% | 12.42% | 12.37% | 13.85% | 13.53% |
| Total Revenue | 43.77M | 44.48M | 44.11M | 42.41M | 42.44M | 43.13M | 42.44M | 41.24M | 41.8M | 42M | 40.35M | 29.09M | 27.28M | 26.66M | 24.48M | 21.71M | 20.25M | 21.02M | 21.19M | 20.78M |
| Revenue Growth % | 3.13% | 3.13% | 3.92% | 2.85% | 1.53% | 2.69% | 5.19% | 41.76% | 53.23% | 57.53% | 64.87% | 33.99% | 34.75% | 26.86% | 15.48% | 4.48% | -10.14% | -6.07% | -3.33% | 2.73% |
| Non-Interest Expense | 16.41M | 16.1M | 16.13M | 16.15M | 16.43M | 16.67M | 16.03M | 16.25M | 15.54M | 15.92M | 16.44M | 20.68M | 11.78M | 11.65M | 11.61M | 11.2M | 10.23M | 10.88M | 10.4M | 10.32M |
| Efficiency Ratio | 37.48% | 36.21% | 36.58% | 38.07% | 38.71% | 38.64% | 37.77% | 39.4% | 37.18% | 37.9% | 40.75% | 71.09% | 43.17% | 43.69% | 47.45% | 51.59% | 50.53% | 51.78% | 49.07% | 49.66% |
| Operating Income | 12.7M | 12.94M | 12.36M | 10.42M | 9.38M | 9.54M | 9.25M | 6.39M | 8.5M | 9.22M | 9.15M | -5.33M | 8.48M | 9.7M | 9.2M | 8.38M | 8.21M | 8.5M | 8.64M | 8.1M |
| Operating Margin % | 29.02% | 29.08% | 28.02% | 24.56% | 22.09% | 22.13% | 21.79% | 15.49% | 20.34% | 21.96% | 22.67% | -18.33% | 31.07% | 36.38% | 37.59% | 38.61% | 40.56% | 40.43% | 40.78% | 38.97% |
| Operating Income Growth % | 35.47% | 35.54% | 33.62% | 63.06% | 10.29% | 3.47% | 1.13% | 219.8% | 0.29% | -4.92% | -0.57% | -163.6% | 3.21% | 14.16% | 6.45% | 3.52% | -18.52% | -3.3% | -11.51% | 26.69% |
| Pretax Income | 12.7M | 12.94M | 12.36M | 10.42M | 9.38M | 9.54M | 9.25M | 6.39M | 8.5M | 9.22M | 9.15M | -5.33M | 8.48M | 9.7M | 9.2M | 8.38M | 8.21M | 8.5M | 8.64M | 8.1M |
| Pretax Margin % | 29.02% | 29.08% | 28.02% | 24.56% | 22.09% | 22.13% | 21.79% | 15.49% | 20.34% | 21.96% | 22.67% | -18.33% | 31.07% | 36.38% | 37.59% | 38.61% | 40.56% | 40.43% | 40.78% | 38.97% |
| Income Tax | 2.33M | 2.45M | 2.35M | 1.95M | 1.75M | 1.56M | 1.71M | 1.11M | 1.48M | 1.68M | 1.6M | -1.19M | 1.61M | 1.83M | 1.66M | 1.48M | 1.47M | 1.55M | 1.58M | 1.45M |
| Effective Tax Rate % | 18.31% | 18.96% | 19.05% | 18.75% | 18.72% | 16.36% | 18.53% | 17.42% | 17.37% | 18.26% | 17.48% | 22.28% | 18.98% | 18.82% | 17.99% | 17.68% | 17.92% | 18.29% | 18.26% | 17.92% |
| Net Income | 10.38M | 10.48M | 10.01M | 8.46M | 7.62M | 7.98M | 7.54M | 5.28M | 7.02M | 7.54M | 7.55M | -4.14M | 6.87M | 7.88M | 7.54M | 6.9M | 6.74M | 6.94M | 7.06M | 6.65M |
| Net Margin % | 23.71% | 23.57% | 22.68% | 19.95% | 17.96% | 18.51% | 17.76% | 12.79% | 16.8% | 17.95% | 18.71% | -14.25% | 25.17% | 29.54% | 30.82% | 31.79% | 33.29% | 33.04% | 33.33% | 31.99% |
| Net Income Growth % | 36.15% | 31.32% | 32.76% | 60.44% | 8.5% | 5.88% | -0.16% | 227.29% | 2.29% | -4.25% | 0.05% | -160.05% | 1.88% | 13.41% | 6.79% | 3.82% | -20.36% | -3.92% | -11.78% | 24.52% |
| Net Income (Continuing) | 10.38M | 10.48M | 10.01M | 8.46M | 7.62M | 7.98M | 7.54M | 5.28M | 7.02M | 7.54M | 7.55M | -4.14M | 6.87M | 7.88M | 7.54M | 6.9M | 6.74M | 6.94M | 7.06M | 6.65M |
| EPS (Diluted) | 2.16 | 2.18 | 2.09 | 1.76 | 1.58 | 1.66 | 1.57 | 1.10 | 1.46 | 1.57 | 1.59 | -1.00 | 1.71 | 1.95 | 1.86 | 1.71 | 1.66 | 1.71 | 1.75 | 1.65 |
| EPS Growth % | 36.71% | 31.33% | 33.12% | 60% | 8.22% | 5.73% | -1.26% | 210% | -14.62% | -19.49% | -14.52% | -158.48% | 3.01% | 14.04% | 6.29% | 3.64% | -20.19% | -3.93% | -10.71% | 23.13% |
| EPS (Basic) | 2.16 | 2.19 | 2.09 | 1.76 | 1.59 | 1.66 | 1.57 | 1.10 | 1.46 | 1.57 | 1.59 | -1.00 | 1.71 | 1.95 | 1.86 | 1.71 | 1.66 | 1.71 | 1.75 | 1.65 |
| Diluted Shares Outstanding | 4.8M | 4.8M | 4.8M | 4.8M | 4.75M | 4.75M | 4.75M | 4.75M | 4.75M | 4.79M | 4.75M | 4.11M | 4.01M | 4.05M | 4.05M | 4.05M | 4.06M | 4.06M | 4.03M | 4.03M |