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

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Citizens Financial Services, Inc. (CZFS) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CZFS Income Statement

Citizens Financial Services, Inc. (CZFS) annual income statement — 30-year revenue, gross profit & net income history

Annual Quarterly

Metric	Q3'26	Q2'26	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

Net Interest Income	27.26M	25.3M	25.69M	25.79M	24.7M	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
NII Growth %	10.34%	8.88%	13.81%	14.6%	17.99%	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%
Net Interest Margin %	0.8%	0.79%	0.85%	0.84%	0.81%	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%
Interest Income	43.41M	39.11M	39.85M	40.73M	39.82M	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
Interest Expense	16.16M	13.81M	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
Loan Loss Provision	0	500K	500K	500K	500K	750K	625K	0	-200K	2M	785K	200K	475K	4.85M	0	258K	725K	450K	250K	0
Non-Interest Income	3.89M	4.41M	4.11M	3.82M	4.29M	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
Non-Interest Income %	12.48%	14.83%	13.8%	12.91%	14.8%	14.92%	14.59%	14.15%	16.52%	15.12%	17.2%	15.36%	15.5%	12.83%	12.28%	11.93%	13.34%	11.95%	13.45%	13.41%
Total Net Revenue	31.14M	29.71M	29.8M	29.61M	28.99M	27.31M	26.43M	26.21M	25.08M	24.64M	24.83M	25.34M	26.07M	20.2M	20.25M	21.61M	21.54M	20.03M	18.69M	19.38M
Revenue Growth %	7.41%	8.77%	12.77%	12.96%	15.61%	10.87%	6.45%	3.42%	-3.79%	21.95%	22.58%	17.29%	21.02%	0.84%	8.35%	11.49%	10.78%	5.89%	-9.59%	-5.5%
Non-Interest Expense	16.6M	16.87M	16.6M	16.02M	16.13M	16.15M	16.38M	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
Efficiency Ratio	53.31%	56.78%	55.7%	54.12%	55.65%	59.12%	61.97%	63.59%	63.91%	65.94%	62.6%	62.82%	63.09%	102.37%	58.15%	53.91%	53.92%	55.91%	54.73%	56.15%
Operating Income	14.54M	12.34M	12.7M	13.09M	12.36M	10.42M	9.43M	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
Operating Margin %	46.69%	41.54%	42.62%	44.2%	42.63%	38.14%	35.67%	36.41%	36.88%	25.93%	34.24%	36.4%	35.09%	-26.39%	41.85%	44.9%	42.71%	41.85%	43.93%	43.85%
Operating Income Growth %	17.65%	18.48%	34.75%	37.11%	33.62%	63.06%	10.88%	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%
Pretax Income	14.54M	12.34M	12.7M	13.09M	12.36M	10.42M	9.43M	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
Pretax Margin %	46.69%	41.54%	42.62%	44.2%	42.63%	38.14%	35.67%	36.41%	36.88%	25.93%	34.24%	36.4%	35.09%	-26.39%	41.85%	44.9%	42.71%	41.85%	43.93%	43.85%
Income Tax	2.62M	2.15M	2.33M	2.6M	2.35M	1.95M	1.8M	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
Effective Tax Rate %	18.02%	17.45%	18.31%	19.89%	19.05%	18.75%	19.15%	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%
Net Income	11.92M	10.19M	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
Net Margin %	38.28%	34.29%	34.82%	35.4%	34.51%	30.99%	28.84%	30.46%	30.05%	21.41%	28.29%	29.75%	28.96%	-20.51%	33.9%	36.44%	35.03%	34.45%	36.06%	35.83%
Net Income Growth %	19.15%	20.37%	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%
Net Income (Continuing)	11.92M	10.19M	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
EPS (Diluted)	2.48	2.12	2.16	2.18	2.09	1.76	1.58	1.66	1.57	1.09	1.46	1.57	1.59	-1.00	1.71	1.95	1.86	1.71	1.66	1.71
EPS Growth %	18.66%	20.45%	36.71%	31.33%	33.12%	61.47%	8.22%	5.73%	-1.26%	209%	-14.62%	-19.49%	-14.52%	-158.48%	3.01%	14.04%	6.29%	3.64%	-20.19%	-3.93%
EPS (Basic)	2.48	2.12	2.16	2.19	2.09	1.76	1.58	1.66	1.57	1.09	1.46	1.57	1.59	-1.00	1.71	1.95	1.86	1.71	1.66	1.71
Diluted Shares Outstanding	4.8M	4.8M	4.8M	4.8M	4.8M	4.8M	4.8M	4.8M	4.8M	4.85M	4.75M	4.79M	4.75M	4.11M	4.01M	4.05M	4.05M	4.05M	4.06M	4.06M