Security
Citizens Financial Services, Inc. Common Stock · CZFS
CZFSNASDAQCommon stockCurrentCIK 739421Updated Nov 2, 2026
CZFS price & chart
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CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS ↗
Recent filings
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Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 3,056,421,000Source | 3,026,468,000Source | 3,192,116,000Source | 2,967,274,000Source | 2,947,531,000Source | 3,026,478,000Source | 3,016,338,000Source | 2,921,103,000Source | 3,064,564,000Source | 3,025,724,000Source | 2,975,321,000Source | 2,333,393,000Source |
| Property, Plant and Equipment, NetUSD | 21,508,000Source | 21,237,000Source | 20,660,000Source | 21,776,000Source | 20,899,000Source | 20,715,000Source | 21,627,000Source | 21,083,000Source | 20,998,000Source | 21,395,000Source | 21,384,000Source | 17,619,000Source |
| GoodwillUSD | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 31,376,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 2,374,000Source | 3,083,000Source | 1,934,000Source | 2,530,000Source | 3,244,000Source | 2,073,000Source | 2,707,000Source | 3,450,000Source | 2,221,000Source | 2,892,000Source | 3,650,000Source | 1,272,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 31,075,000Source | 36,763,000Source | 39,429,000Source | 49,484,000Source | 38,433,000Source | 33,105,000Source | 36,786,000Source | 29,619,000Source | 34,291,000Source | 42,202,000Source | 52,818,000Source | 26,211,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 10,600,000Source | 9,966,000Source | 11,116,000Source | 4,987,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,728,739,000Source | 2,727,814,000Source | 2,839,283,000Source | 2,653,621,000Source | 2,661,061,000Source | 2,682,900,000Source | 2,708,042,000Source | 2,638,429,000Source | 2,726,513,000Source | 2,725,990,000Source | 2,695,655,000Source | 2,133,246,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 5,255,000Source | 5,207,000Source | 5,263,000Source | 5,255,000Source | 5,207,000Source | 5,256,000Source | 5,208,000Source | 5,161,000Source | 5,256,000Source | 5,208,000Source | 5,161,000Source | 4,428,000Source |
| Additional Paid in CapitalUSD | 147,971,000Source | 144,927,000Source | 148,341,000Source | 147,878,000Source | 144,985,000Source | 147,986,000Source | 145,010,000Source | 143,227,000Source | 147,965,000Source | 144,984,000Source | 143,233,000Source | 80,911,000Source |
| Retained Earnings (Accumulated Deficit)USD | 205,542,000Source | 183,792,000Source | 229,333,000Source | 197,940,000Source | 178,588,000Source | 221,597,000Source | 194,709,000Source | 177,693,000Source | 213,623,000Source | 189,443,000Source | 172,975,000Source | 164,922,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -14,650,000Source | -18,916,000Source | -13,362,000Source | -21,026,000Source | -25,932,000Source | -14,682,000Source | -20,239,000Source | -26,620,000Source | -12,377,000Source | -23,521,000Source | -24,911,000Source | -33,141,000Source |
| Stockholders' Equity Attributable to ParentUSD | 327,682,000Source | 298,654,000Source | 352,833,000Source | 313,653,000Source | 286,470,000Source | 343,578,000Source | 308,296,000Source | 282,674,000Source | 338,051,000Source | 299,734,000Source | 279,666,000Source | 200,147,000Source |
| Liabilities and EquityUSD | 3,056,421,000Source | 3,026,468,000Source | 3,192,116,000Source | 2,967,274,000Source | 2,947,531,000Source | 3,026,478,000Source | 3,016,338,000Source | 2,921,103,000Source | 3,064,564,000Source | 3,025,724,000Source | 2,975,321,000Source | 2,333,393,000Source |
| Additional Financial Items | ||||||||||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | — | — | — | — | — | — | — | — | -14,045,000Source | -26,564,000Source | -28,238,000Source | -37,514,000Source |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | — | — | — | — | — | — | — | — | 297,000Source | 304,000Source | 972,000Source | 1,056,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | — | — | 625,000Source | 412,000Source | 309,000Source | 336,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -187,000Source | -109,000Source | 797,000Source | 1,771,000Source | 595,000Source | -36,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 18,018,000Source | 10,945,000Source | 36,534,000Source | 33,182,000Source | 26,537,000Source | 33,240,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | -4,905,000Source | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 29,941,000Source | -728,000Source | -40,076,000Source | -69,073,000Source | 59,465,000Source | -362,452,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 158,000Source | 57,000Source | 358,000Source | 202,000Source | 265,000Source | 1,279,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -49,145,000Source | -15,633,000Source | -4,369,000Source | 25,275,000Source | -59,395,000Source | 182,590,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 2,402,000Source | 2,355,000Source | 9,548,000Source | 9,302,000Source | 8,503,000Source | 7,588,000Source |
| Repayments of Long-term DebtUSD | — | — | — | — | — | — | — | 0Source | 42,000,000Source | 35,000,000Source | 0Source | 4,725,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 31,075,000Source | 36,763,000Source | 39,429,000Source | 49,484,000Source | 33,105,000Source | 36,786,000Source | 34,291,000Source | 42,202,000Source | 52,818,000Source | 26,211,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 13,546,000Source | 17,562,000Source | 62,730,000Source | 67,466,000Source | 44,677,000Source | 10,703,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 6,590,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 181,000Source | 206,000Source | 163,000Source | 191,000Source | 173,000Source | 197,000Source | 744,000Source | 861,000Source | 674,000Source | 461,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 363,000Source | 338,000Source | 787,000Source | 355,000Source | 570,000Source | 346,000Source | 1,433,000Source | 1,684,000Source | 1,254,000Source | 852,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | 19,000Source | -11,000Source | 67,000Source | 145,000Source | -144,000Source | -247,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | — |
| DepreciationUSD | — | — | — | — | — | — | — | — | 1,625,000Source | 1,242,000Source | 1,147,000Source | 877,000Source |
| Depreciation, Amortization and Accretion, NetUSD | — | — | — | — | — | — | 470,000Source | 449,000Source | 2,104,000Source | 1,806,000Source | 1,520,000Source | 1,033,000Source |
| Equipment ExpenseUSD | — | — | 273,000Source | 260,000Source | 336,000Source | 318,000Source | 287,000Source | 265,000Source | 1,209,000Source | 1,038,000Source | 822,000Source | 565,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | 34,000Source | 159,000Source | 96,000Source | 32,000Source | 19,000Source | -11,000Source | 67,000Source | 145,000Source | -158,000Source | -251,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | -4,000Source | -14,000Source | -4,000Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 34,000Source | 159,000Source | 96,000Source | 32,000Source | 19,000Source | -11,000Source | 67,000Source | 149,000Source | -144,000Source | -247,000Source |
| Gain (Loss) on Disposition of AssetsUSD | — | — | 0Source | 0Source | — | 0Source | — | 0Source | 0Source | 1,102,000Source | — | — |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | 709,000Source | 752,000Source | 621,000Source | 739,000Source | 265,000Source | 272,000Source | 2,290,000Source | 2,316,000Source | 1,452,000Source | 258,000Source |
| GoodwillUSD | — | — | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 85,758,000Source | 31,376,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Impairment of Intangible Assets (Excluding Goodwill)USD | — | — | — | — | — | — | — | — | 0Source | — | — | — |
| Income Tax Expense (Benefit)USD | — | — | 2,355,000Source | 1,714,000Source | 2,154,000Source | 1,953,000Source | 2,326,000Source | 1,805,000Source | 8,666,000Source | 5,865,000Source | 3,704,000Source | 6,435,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 10,005,000Source | 7,536,000Source | 10,187,000Source | 8,463,000Source | 10,376,000Source | 7,621,000Source | 36,572,000Source | 27,818,000Source | 17,811,000Source | 29,060,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | 16,000Source | 15,000Source | 68,000Source | 16,000Source | — | — |
| Proceeds from Issuance of Long-term DebtUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 40,000,000Source | 0Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 19,793,000Source | 14,094,000Source | 78,806,000Source | 62,858,000Source | 27,007,000Source | 33,554,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | — | — | — | — | 500,000Source | 625,000Source | 2,375,000Source | 2,587,000Source | 5,528,000Source | — |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 348,000Source | 100,000Source | 578,000Source | 599,000Source | 144,000Source | 538,000Source | 1,888,000Source | 3,176,000Source | 5,492,000Source | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 2,771,000Source | 2,510,000Source | 2,443,000Source | 2,367,000Source | 2,337,000Source | 2,439,000Source | 9,881,000Source | 9,610,000Source | 8,972,000Source | 8,587,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 12,360,000Source | 9,250,000Source | 12,341,000Source | 10,416,000Source | 12,702,000Source | 9,426,000Source | 45,238,000Source | 33,683,000Source | 21,515,000Source | 35,495,000Source |
| Income Tax Expense (Benefit)USD | — | — | 2,355,000Source | 1,714,000Source | 2,154,000Source | 1,953,000Source | 2,326,000Source | 1,805,000Source | 8,666,000Source | 5,865,000Source | 3,704,000Source | 6,435,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 10,005,000Source | 7,536,000Source | 10,187,000Source | 8,463,000Source | 10,376,000Source | 7,621,000Source | 36,572,000Source | 27,818,000Source | 17,811,000Source | 29,060,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 2.09Source | 1.57Source | 2.12Source | 1.76Source | 2.16Source | 1.59Source | 7.62Source | 5.86Source | 4.06Source | 7.32Source |
| Earnings Per Share, DilutedUSD per share | — | — | 2.09Source | 1.57Source | 2.12Source | 1.76Source | 2.16Source | 1.59Source | 7.62Source | 5.85Source | 4.06Source | 7.32Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 4,796,946Source | 4,796,752Source | 4,797,940Source | 4,797,716Source | 4,798,170Source | 4,797,611Source | 4,797,520Source | 4,750,185Source | 4,382,573Source | 3,969,722Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 4,798,051Source | 4,798,297Source | 4,802,193Source | 4,800,384Source | 4,799,078Source | 4,799,016Source | 4,800,093Source | 4,755,066Source | 4,382,573Source | 3,969,722Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 181,000Source | 206,000Source | 163,000Source | 191,000Source | 173,000Source | 197,000Source | 744,000Source | 861,000Source | 674,000Source | 461,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 363,000Source | 338,000Source | 787,000Source | 355,000Source | 570,000Source | 346,000Source | 1,433,000Source | 1,684,000Source | 1,254,000Source | 852,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | — | 0Source | — | — | — | — | 0Source | 0Source | 9,269,000Source | 0Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.5Source | 0.49Source | 0.51Source | 0.49Source | 0.5Source | 0.49Source | 1.98Source | 1.95Source | 1.94Source | 1.9Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 7,869,000Source | 4,094,000Source | 3,109,000Source | 6,471,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | 19,000Source | -11,000Source | 67,000Source | 145,000Source | -144,000Source | -247,000Source |
| Equipment ExpenseUSD | — | — | 273,000Source | 260,000Source | 336,000Source | 318,000Source | 287,000Source | 265,000Source | 1,209,000Source | 1,038,000Source | 822,000Source | 565,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | -4,000Source | -14,000Source | -4,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 46,858,000Source | 11,223,000Source |
| InterestExpenseOperatingUSD | — | — | 15,114,000Source | 17,365,000Source | 13,811,000Source | 15,101,000Source | 14,164,000Source | 16,012,000Source | 61,167,000Source | 67,862,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 25,140,000Source | 21,324,000Source | 25,694,000Source | 23,648,000Source | 26,113,000Source | 23,002,000Source | 98,001,000Source | 86,455,000Source | 80,260,000Source | 72,134,000Source |
| Labor and Related ExpenseUSD | — | — | 9,924,000Source | 9,715,000Source | 10,272,000Source | 9,976,000Source | 10,276,000Source | 10,289,000Source | 39,402,000Source | 39,347,000Source | 34,990,000Source | 27,837,000Source |
| Marketing and Advertising ExpenseUSD | — | — | — | — | — | — | — | — | 1,114,000Source | 1,178,000Source | 952,000Source | 970,000Source |
Filing attachments
ef20071203_ex107.htm · S-8 · 2026-04-27
Exhibit 107 CALCULATION OF FILING FEE TABLE Form S-8 (Form Type) CITIZENS FINANCIAL SERVICES, INC. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Fee Rate Amount of Registration Fee …
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