CITIZENS FINANCIAL SERVICES INC (CZFS) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	179.3M	173.2M	168.6M	138.7M	93.1M
Cost of Revenue	60.6M	63.5M	70.4M	52.4M	12.9M
Gross Profit	118.8M	109.7M	98.2M	86.3M	80.2M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	31.4M	45.9M	41.3M	36.5M	28.5M
General & Admin Expense	31.4M	45.9M	41.3M	36.5M	28.5M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	34.7M	18.7M	23.1M	28.4M	16.2M
Total Operating Expenses	66.1M	64.6M	64.5M	64.8M	44.7M
Cost and Expenses	126.7M	128.2M	134.9M	117.2M	57.6M
Operating Income (EBIT)	52.7M	45.1M	33.7M	21.5M	35.5M
Non-Operating
Interest Income	163.1M	159.2M	152.8M	125.7M	82.7M
Interest Expense	59.1M	61.2M	67.9M	46.9M	11.2M
Net Interest Income	104.0M	98.0M	84.9M	78.9M	71.5M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	52.7M	45.1M	33.7M	21.5M	35.5M
Income Tax Expense	9.7M	8.5M	5.9M	3.7M	6.4M
Bottom Line
Net Income	43.0M	36.6M	27.8M	17.8M	29.1M
Earnings from Cont. Ops	43.0M	36.6M	27.8M	17.8M	29.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	43.0M	36.6M	27.8M	17.8M	29.1M
Per Share
Basic EPS	$8.95	$7.62	$5.80	$3.98	$7.10
Diluted EPS	$8.94	$7.62	$5.79	$3.98	$7.10
Revenue Per Share	$37.36	$36.11	$35.50	$31.34	$22.99
Shares
Basic Shares Outstanding	4.8M	4.8M	4.8M	4.4M	4.0M
Diluted Shares Outstanding	4.8M	4.8M	4.8M	4.4M	4.0M
Profitability Metrics
EBITDA	54.3M	47.2M	35.5M	23.0M	36.5M
D&A	1.6M	2.1M	1.8M	1.5M	1.0M
EBIT	52.7M	45.1M	33.7M	21.5M	35.5M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026