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 Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| 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 | 42,430 |
| 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 | 1.465 |
| Net income - diluted (in dollars per share) | 2.09 | 1.76 | 1.6 | 1.463 |
| Number of shares used in computation - basic (in shares) | 4,796,946 | 4,797,716 | 4,750,538 | 1,187,546.25 |
| Weighted average common shares outstanding for dilutive earnings per share (in shares) | 4,798,051 | 4,800,384 | 4,751,943 | 1,188,766.5 |
CITIZENS FINANCIAL SERVICES INC (CZFS)
CITIZENS FINANCIAL SERVICES INC (CZFS)