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10/2
NIKE, Inc.
(NKE)
10/2
DARDEN RESTAURANTS INC
(DRI)
9/30
CONAGRA BRANDS INC.
(CAG)
9/29
Carnival Corp Ltd.
(CCL)
9/29
URANIUM ENERGY CORP
(UEC)
9/29
COPART INC
(CPRT)
9/24
BLACKBERRY Ltd
(BB)
9/24
PAYCHEX INC
(PAYX)
9/23
GENERAL MILLS INC
(GIS)
9/22
ADOBE INC.
(ADBE)
9/18
KROGER CO
(KR)
10/2
NIKE, Inc.
(NKE)
10/2
DARDEN RESTAURANTS INC
(DRI)
9/30
CONAGRA BRANDS INC.
(CAG)
9/29
Carnival Corp Ltd.
(CCL)
9/29
URANIUM ENERGY CORP
(UEC)
9/29
COPART INC
(CPRT)
9/24
BLACKBERRY Ltd
(BB)
9/24
PAYCHEX INC
(PAYX)
9/23
GENERAL MILLS INC
(GIS)
9/22
ADOBE INC.
(ADBE)
9/18
KROGER CO
(KR)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
|
Compare
Cash Flow Overview
Change in Cash
$6,324K
Free Cash flow
-$376K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in short-term borro...
Proceeds from sales of loans hel...
Proceeds from maturity and princ...
Others
Negative Cash Flow Breakdown
Net (increase) decrease in loans
Purchase of securities
Net increase (decrease) in depos...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
10,187
10,376
10,483
10,005
Provision for credit losses
500
500
500
500
Depreciation and amortization
444
470
690
493
Amortization and accretion of loans, other assets and borrowings
777
884
1,119
1,000
Amortization and accretion of investment securities
114
-71
-71
-117
Deferred income taxes
445
-187
250
-76
Equity security gains, net
96
19
11
35
Available for sale security (gains) losses, net
-
-
0
-
Earnings on bank owned life insurance
787
570
369
363
Stock awards
-
-
625
-
Vesting of restricted stock
129
-296
-
53
Originations of loans held for sale
41,241
25,287
36,155
44,319
Proceeds from sales of loans held for sale
37,344
29,046
40,817
47,022
Realized gains on loans sold
621
265
570
709
Realized gains on sale of braavo
-
-
0
0
Increase in accrued interest receivable
-19
243
-714
809
Loss on sale of foreclosed assets held for sale
-
-
-
9
Increase (decrease) in accrued interest payable
-390
618
-624
1,013
Other, net
-5,131
4,392
1,715
-9,008
Net cash provided by operating activities
-89
18,018
16,730
2,875
Proceeds from sales of available-for-sale securities
-
-
0
-
Proceeds from maturity and principal repayments
21,364
19,793
23,657
21,663
Purchase of securities
62,530
26,236
14,002
33,122
Proceeds from sale of equity securities
-
-
0
0
Purchase of interest bearing time deposits with other banks
100
-
0
0
Proceeds from matured interest bearing time deposits with other banks
596
-
0
0
Proceeds from life insurance
393
0
0
0
Purchase of bank owned life insurance
0
22,000
-
-
Proceeds from redemption of regulatory stock
9,198
12,886
9,514
7,727
Purchase of regulatory stock
15,534
7,424
11,569
7,144
Net (increase) decrease in loans
92,614
-53,047
14,095
92,523
Purchase of premises and equipment
287
125
71
145
Investments in low income housing partnerships
-
-
0
-
Proceeds from sale of premises and equipment
0
0
-1
1
Proceeds from sale of foreclosed assets held for sale
0
0
68
0
Proceeds from sale of braavo assets
-
-
0
0
Acquisition, net of cash paid
-
-
0
-
Net cash (used in) provided by investing activities
-139,514
29,941
-6,499
-103,543
Net increase (decrease) in deposits
-46,648
64,206
-34,224
118,541
Proceeds from long-term borrowings
-
-
0
-
Repayments of long-term borrowings
10,000
-
5,000
27,000
Net increase in short-term borrowed funds
205,154
-110,807
34,763
-6,818
Purchase of treasury and restricted stock
147
158
-15
77
Purchase of restricted stock
-
-
187
-
Sale of treasury stock
-
-
0
-
Sale of stock for espp
-
-
-
16
Issuance of common stock for espp
19
16
68
-
Dividends paid
2,451
2,402
2,402
2,403
Net cash provided by (used in) financing activities
145,927
-49,145
-7,015
82,259
Net increase in cash and cash equivalents
6,324
-1,186
3,216
-18,409
Cash and cash equivalents at beginning of period
33,105
34,291
31,075
42,202
Cash and cash equivalents at end of period
39,429
33,105
34,291
31,075
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
CZFS Cash Flow Sankey Diagram
Sankey diagram visualizing CZFS cash flow for the period
Net increase in
short-term borrowed funds
$205,154K
(728.57%↑ Y/Y)
Issuance of common stock
for espp
$19K
Net cash provided by
(used in) financing...
$145,927K
(283.30%↑ Y/Y)
Canceled cashflow
$59,246K
Net increase in cash
and cash...
$6,324K
(-13.16%↓ Y/Y)
Canceled cashflow
$139,603K
Net increase
(decrease) in deposits
-$46,648K
(47.80%↑ Y/Y)
Repayments of long-term
borrowings
$10,000K
(0.00%↑ Y/Y)
Dividends paid
$2,451K
(-48.32%↓ Y/Y)
Purchase of treasury and
restricted stock
$147K
(-50.34%↓ Y/Y)
Proceeds from maturity
and principal...
$21,364K
(-36.20%↓ Y/Y)
Proceeds from redemption
of regulatory...
$9,198K
(-43.90%↓ Y/Y)
Proceeds from matured
interest bearing time...
$596K
Proceeds from life
insurance
$393K
(44.49%↑ Y/Y)
Proceeds from sales of
loans held for sale
$37,344K
(-45.17%↓ Y/Y)
Net income
$10,187K
(-36.66%↓ Y/Y)
Provision for credit
losses
$500K
(-63.64%↓ Y/Y)
Deferred income taxes
$445K
(-28.57%↓ Y/Y)
Depreciation and
amortization
$444K
(-51.79%↓ Y/Y)
Vesting of restricted
stock
$129K
(-46.91%↓ Y/Y)
Increase in accrued
interest receivable
-$19K
(-106.42%↓ Y/Y)
Net cash (used in)
provided by investing...
-$139,514K
(-299.40%↓ Y/Y)
Net cash provided by
operating activities
-$89K
(-100.53%↓ Y/Y)
Canceled cashflow
$31,551K
Canceled cashflow
$49,068K
Net (increase)
decrease in loans
$92,614K
(226.63%↑ Y/Y)
Purchase of securities
$62,530K
(77.23%↑ Y/Y)
Originations of loans held for
sale
$41,241K
(-43.54%↓ Y/Y)
Purchase of regulatory
stock
$15,534K
(-9.40%↓ Y/Y)
Purchase of premises and
equipment
$287K
(-73.43%↓ Y/Y)
Purchase of interest
bearing time deposits...
$100K
Other, net
-$5,131K
(-165.27%↓ Y/Y)
Earnings on bank owned
life insurance
$787K
(12.27%↑ Y/Y)
Amortization and accretion of
loans, other assets and...
$777K
(-54.05%↓ Y/Y)
Realized gains on loans
sold
$621K
(-38.58%↓ Y/Y)
Increase (decrease) in
accrued interest...
-$390K
(80.02%↑ Y/Y)
Amortization and accretion of
investment securities
$114K
(126.51%↑ Y/Y)
Equity security gains,
net
$96K
(357.14%↑ Y/Y)
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CITIZENS FINANCIAL SERVICES INC (CZFS)
CITIZENS FINANCIAL SERVICES INC (CZFS)