Financial insights of CZFS

MyFinsight

For the quarter ending 2025-09-30, CZFS made $75,356K in revenue. $10,005K in net income. Net profit margin of 13.28%.

Income Overview

Revenue
$75,356K
Net Income
$10,005K
Net Profit Margin
13.28%
EPS
$2.09
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31
Interest and fees on loans	36,418	35,227	-
Interest-bearing deposits with banks	119	132	-
Taxable	2,595	2,397	-
Nontaxable	684	584	-
Dividends	438	409	-
Total interest income	40,254	38,749	-
Deposits	11,501	11,449	-
Total consolidated revenues	-	-	42,441
Borrowed funds	3,613	3,652	-
Total interest expense	15,114	15,101	16,012
Net interest income	25,140	23,648	-
Provision For Loan And Lease Losses Non Acquisition	500	750	-
Provision (recovery) for credit losses	24,640	22,898	-
Service charges	1,598	1,303	-
Trust	186	183	-
Brokerage and insurance	761	627	-
Gains on loans sold	709	739	-
Equity security gains, net	34	32	-
Gain on sale of braavo division	0	0	-
Earnings on bank owned life insurance	363	355	-
Segment net interest income and non-interest income	-	-	26,429
Other	203	426	-
Other segment expenses	-	-	4,783
Total non-interest income	3,854	3,665	-
Provision for credit losses	-	-	625
Salaries and employee benefits	9,924	9,976	10,289
Occupancy	1,320	1,182	1,356
Furniture and equipment	273	318	-
Professional fees	493	525	-
Fdic insurance	395	495	-
Pennsylvania shares tax	430	305	-
Amortization of intangibles	113	127	-
Software expenses	457	453	-
Other real estate owned expenses	6	73	-
Other	2,723	2,693	-
Total non-interest expenses	16,134	16,147	-
Income before provision for income taxes	12,360	10,416	-
Provision for income taxes	2,355	1,953	1,755
Net income	10,005	8,463	7,621

Net income - basic (in dollars per share)	2.09	1.76	1.6
Net income - diluted (in dollars per share)	2.09	1.76	1.6
Number of shares used in computation - basic (in shares)	4,796,946	4,797,716	4,750,538
Weighted average common shares outstanding for dilutive earnings per share (in shares)	4,798,051	4,800,384	4,751,943

MyFinsight

Income Overview

Revenue
$75,356K
Net Income
$10,005K
Net Profit Margin
13.28%
EPS
$2.09
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Revenue
$75,356K
Net Income
$10,005K
Net Profit Margin
13.28%
EPS
$2.09
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$75,356KNet Income$10,005KNet Profit Margin13.28%EPS$2.09Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$75,356KNet Income$10,005KNet Profit Margin13.28%EPS$2.09Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$75,356K
Net Income
$10,005K
Net Profit Margin
13.28%
EPS
$2.09
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others

Revenue
$75,356K
Net Income
$10,005K
Net Profit Margin
13.28%
EPS
$2.09
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Deposits
Salaries and employee benefits
Others