Citizens Financial Services, Inc.

Financial Services · Banks - Regional

80.90$ +2.2% vs. previous close Closing price · As of: Oct 2, 2026

Statements

Balance Sheet

Citizens Financial Services, Inc. (CZFS) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (2025), "Total Assets" came in at 3,065 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size %

Last 12 Full history

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All figures in millions of USD.

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Balance Sheet CZFS
Line item	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	283	295	314	341	413	421	433	464	499	529	572	591	669	729	813	879	882	915	925	1,163	1,223	1,362	1,431	1,466	1,892	2,144	2,333	2,975	3,026	3,065
Current Assets	9.4	8.8	9.5	11	30	13	14	12	11	11	12	13	23	35	47	353	340	334	327	396	351	288	278	278	384	601	479	486	103	85
Cash	6.5	6.3	7.3	8.5	28	11	12	10.0	9.3	8.6	10	10	20	31	44	30	26	13	17	32	25	29	32	33	82	184	32	57	46	38
Cash & Short-Term Investments	6.5	6.3	7.3	8.5	28	11	12	10.0	9.3	8.6	10	10	20	31	44	349	337	327	324	392	339	284	273	273	378	596	472	474	93	74
Receivables	2.9	2.4	2.2	2.1	2.3	2.0	2.0	1.7	1.7	2.2	2.5	2.5	2.9	3.1	3.5	3.6	3.8	3.7	3.6	4.2	12	4.2	4.5	4.6	6.0	5.2	7.3	11	10	11
Inventory	–	–	–	–	-390	-399	-310	-337	-380	-403	-438	-447	-469	-505	-535	-534	-547	-573	-593	-758	-849	-1,061	-1,144	-44	-90	-190	-40	27	–	–
Property, Plant & Equipment	–	–	–	–	–	12	11	11	12	12	13	13	13	12	13	12	12	11	12	17	17	17	16	17	17	17	18	–	–	–
Goodwill	–	–	–	–	–	6.9	6.9	6.9	8.6	8.6	8.6	8.6	10	10	10	10	10	10	10	21	21	23	23	23	31	31	31	86	86	86
Intangible Assets	–	–	–	–	2.3	2.0	2.0	1.7	1.3	0.7	9.0	8.9	10	10	10	10	10	10	0.5	2.4	2.1	2.0	1.6	1.3	1.7	1.6	1.3	3.7	2.9	2.2
Total Liabilities	260	269	285	314	383	388	394	425	459	488	529	543	616	668	744	797	793	823	825	1,043	1,100	1,233	1,291	1,312	1,697	1,931	2,133	2,696	2,726	2,727
Current Liabilities	242	259	277	287	370	373	375	403	439	461	449	458	549	608	682	736	738	749	775	989	1,006	1,106	1,186	1,212	1,590	1,837	1,845	2,356	2,412	2,396
Short-Term Debt	–	–	–	–	–	–	–	15	18	30	–	36	–	17	32	23	36	67	42	42	64	93	71	56	62	47	231	31	25	15
Accounts Payable	–	–	–	2.6	2.6	2.3	2.1	1.9	1.9	1.9	2.3	2.2	2.2	2.0	1.8	1.5	1.1	0.9	0.8	0.7	0.7	0.9	1.1	1.1	1.0	0.7	1.2	4.3	4.7	3.1
Long-Term Debt	–	–	–	–	–	13	17	35	17	53	76	80	61	54	34	31	18	6.2	12	40	80	115	91	85	89	74	257	322	273	294
Shareholders' Equity	23	26	29	27	31	33	38	39	41	42	44	49	53	62	69	81	89	92	101	120	123	129	139	155	194	212	200	280	300	338
Retained Earnings	15	16	17	18	20	21	24	26	29	31	34	38	41	47	55	63	72	74	80	86	91	90	100	111	127	146	165	173	189	214
Shares Outstanding	3.9	3.8	3.9	3.8	3.8	3.8	3.8	3.7	3.8	3.7	3.7	3.6	3.6	3.6	3.6	3.5	3.5	3.5	3.5	3.4	3.8	3.7	3.7	3.7	4.0	4.1	4.0	4.4	4.8	4.8

Data as of: October 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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