CITIZENS FINANCIAL SERVICES (CZFS) Stock Balance Sheet

USA • Nasdaq • NASDAQ:CZFS • US1746151042

65.715 USD
-1.08 (-1.61%)
Last: Feb 6, 2026, 08:27 PM
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Income Statement Balance Sheet Cash Flow
2025
(2025-12-31)		 2024
(2024-12-31)		 2023
(2023-12-31)		 2022
(2022-12-31)		 2021
(2021-12-31)
ASSETS
Current Assets
Cash Due From Banks
CZFS Cash Due From Banks ChartCZFS Cash Due From Banks over time chart
24.00M29.54M36.97M18.34M120.96M
Investments
CZFS Investments ChartCZFS Investments over time chart
473.16M460.30M458.45M466.86M471.04M
Net Loans
CZFS Net Loans ChartCZFS Net Loans over time chart
2.33B2.29B2.23B1.71B1.42B
 
Non-Current Assets
PPE Net
CZFS PPE Net ChartCZFS PPE Net over time chart
21.00M31.36M32.50M22.60M20.30M
Goodwill
CZFS Goodwill ChartCZFS Goodwill over time chart
85.76M85.76M85.76M31.40M31.40M
Intangibles
CZFS Intangibles ChartCZFS Intangibles over time chart
2.22M2.89M3.65M1.30M1.60M
Other Non-Current Assets
CZFS Other Non-Current Assets ChartCZFS Other Non-Current Assets over time chart
11.44M15.20M17.34M12.90MN/A
 
TOTAL ASSETS
CZFS TOTAL ASSETS ChartCZFS TOTAL ASSETS over time chart
3.06B3.03B2.98B2.33B2.14B
 
LIABILITIES
Total Deposits
CZFS Total Deposits ChartCZFS Total Deposits over time chart
2.38B2.38B2.32B1.84B1.84B
Current Liabilities
Short Term Borrowings
CZFS Short Term Borrowings ChartCZFS Short Term Borrowings over time chart
N/AN/AN/AN/A16.90M
Short Term Debt
CZFS Short Term Debt ChartCZFS Short Term Debt over time chart
N/A17.34M18.04M17.80M16.90M
Current Portion Of LT Debt.
CZFS Current Portion Of LT Debt. ChartCZFS Current Portion Of LT Debt. over time chart
N/A14.11MN/AN/AN/A
Accrued Expenses
CZFS Accrued Expenses ChartCZFS Accrued Expenses over time chart
N/A10.10M11.19M5.00M3.30M
Accounts Payable
CZFS Accounts Payable ChartCZFS Accounts Payable over time chart
3.13M4.69M4.30M1.20M700.00K
Total Current Liabilities
CZFS Total Current Liabilities ChartCZFS Total Current Liabilities over time chart
3.13M46.24M33.53M24.00M20.90M
 
Non-Current Liabilities
Long Term Debt
CZFS Long Term Debt ChartCZFS Long Term Debt over time chart
309.45M26.78M69.86M17.40M17.40M
Other Non-Current Liabilities
CZFS Other Non-Current Liabilities ChartCZFS Other Non-Current Liabilities over time chart
36.96M31.45M36.65M25.50M17.30M
Total Non-Current Liabilities
CZFS Total Non-Current Liabilities ChartCZFS Total Non-Current Liabilities over time chart
2.72B2.68B2.66B2.11B1.91B
 
TOTAL LIABILITIES
CZFS TOTAL LIABILITIES ChartCZFS TOTAL LIABILITIES over time chart
2.73B2.73B2.70B2.13B1.93B
 
SHAREHOLDERS' EQUITY
Retained Earnings
CZFS Retained Earnings ChartCZFS Retained Earnings over time chart
213.62M189.44M172.97M164.90M146.00M
Additional Paid In Capital
CZFS Additional Paid In Capital ChartCZFS Additional Paid In Capital over time chart
147.97M144.98M143.23M80.90M78.40M
Common Shares
CZFS Common Shares ChartCZFS Common Shares over time chart
5.26M5.21M5.16M4.40M4.40M
Treasury Stock
CZFS Treasury Stock ChartCZFS Treasury Stock over time chart
-16.42M-16.38M-16.79M-17.00M-16.10M
Other Shareholders' Equity
CZFS Other Shareholders' Equity ChartCZFS Other Shareholders' Equity over time chart
-12.38M3.04M3.33M-1.10M-2.00M
Shares Outstanding
CZFS Shares Outstanding ChartCZFS Shares Outstanding over time chart
4.81M4.81M4.80M4.09M4.10M
Tangible Book Value per Share
CZFS Tangible Book Value per Share ChartCZFS Tangible Book Value per Share over time chart
52.0243.9139.6240.9143.73
Total Shareholders' Equity
CZFS Total Shareholders' Equity ChartCZFS Total Shareholders' Equity over time chart
338.05M299.73M279.67M200.10M212.50M
 
TOTAL LIABILITIES AND EQUITY
CZFS TOTAL LIABILITIES AND EQUITY ChartCZFS TOTAL LIABILITIES AND EQUITY over time chart
3.06B3.03B2.98B2.33B2.14B
 
Statistics
Debt/Equity
CZFS Debt/Equity ChartCZFS Debt/Equity over time chart
0.920.150.310.180.16
Return On Assets (ROA)
CZFS Return On Assets (ROA) ChartCZFS Return On Assets (ROA) over time chart
1.19%0.92%0.60%1.25%1.36%
Return On Equity (ROE)
CZFS Return On Equity (ROE) ChartCZFS Return On Equity (ROE) over time chart
10.82%9.28%6.37%14.52%13.70%

All data in USD , ROIC based on taxRate of 0.21

Charts

CZFS Balance Sheet Over Time ChartCZFS Balance Sheet Over Time: Assets, Equity, Liabilities and DebtBalance Sheet Over Time 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LIABILITIES + EQUITY TOTAL ASSETS
CZFS Balance Sheet - Short Vs Long Term ChartCZFS Balance Sheet - Short Vs Long Term Assets and LiabilitiesBalance Sheet - Short Vs Long Term Short Term Long Term 500M 1B 1.5B 2B 2.5B