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CITIZENS FINANCIAL SERVICES INC
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax19¢$8.7M
- Profit81¢$36.6M
Out of $9.9M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Dividends paid26¢$9.5M
- Share buybacks1¢$358.0K
- Kept or used elsewhere73¢$26.6M
Out of $36.5M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fees on loans | $144.4M | $142.7M | $116.1M |
| Interest-bearing deposits with banks | $502.0K | $851.0K | $736.0K |
| Taxable | $9.9M | $7.1M | $6.6M |
| Nontaxable | $2.6M | $2.1M | $2.3M |
| Dividends | $1.7M | $1.6M | $1.4M |
| TOTAL INTEREST AND DIVIDEND INCOME | $159.2M | $154.3M | $127.1M |
| Deposits | $47.0M | $52.3M | $31.7M |
| Borrowed funds | $14.1M | $15.5M | $15.2M |
| TOTAL INTEREST EXPENSE | $61.2M | $67.9M | $46.9M |
| NET INTEREST INCOME | $98.0M | $86.5M | $80.3M |
| Provision for credit losses | $2.4M | $2.6M | $937.0K |
| Provision for credit losses - acquisition day 1 non-PCD | $4.6M | ||
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | $95.6M | $83.9M | $74.7M |
| Service charges | $5.6M | $5.7M | $5.6M |
| Trust | $792.0K | $816.0K | $764.0K |
| Brokerage and insurance | $2.6M | $2.4M | $1.9M |
| Equity security gains (losses), net | $67.0K | $145.0K | -$144.0K |
| Available for sale security losses, net | $0 | $0 | -$51.0K |
| Gains on loans sold | $2.3M | $2.3M | $1.5M |
| Earnings on bank owned life insurance | $1.4M | $1.7M | $1.3M |
| Gain on sale of Braavo division | $0 | $1.1M | $0 |
| Other | $1.6M | $1.2M | $767.0K |
| TOTAL NON-INTEREST INCOME | $14.3M | $15.4M | $11.6M |
| Salaries and employee benefits | $39.4M | $39.3M | $35.0M |
| Occupancy | $5.3M | $5.0M | $4.1M |
| Furniture and equipment | $1.2M | $1.0M | $822.0K |
| Professional fees | $2.3M | $2.6M | $2.0M |
| Federal depository insurance | $1.7M | $2.0M | $1.5M |
| Pennsylvania shares tax | $739.0K | $1.1M | $583.0K |
| Amortization of intangibles | $478.0K | $564.0K | $373.0K |
| Merger and acquisition | $0 | $0 | $9.3M |
| ORE expenses | $267.0K | $212.0K | $166.0K |
| Software expenses | $1.8M | $2.0M | $1.8M |
| Other | $11.4M | $11.6M | $9.2M |
| TOTAL NON-INTEREST EXPENSES | $64.7M | $65.4M | $64.8M |
| Income before provision for income taxes | $45.2M | $33.9M | $21.6M |
| Provision for income taxes | $8.7M | $6.1M | $3.8M |
| NET INCOME | $36.6M | $27.8M | $17.8M |
| EARNINGS PER SHARE - BASIC (in Dollars per share) | $7.62 | $5.80 | $3.98 |
| EARNINGS PER SHARE DILUTED (in Dollars per share) | $7.62 | $5.79 | $3.98 |
| Number of shares used in computation - basic (in Shares) | 4.8M shares | 4.8M shares | 4.5M shares |
| Number of shares used in computation - diluted (in Shares) | 4.8M shares | 4.8M shares | 4.5M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Noninterest-bearing | $23.9M | $30.3M | |
| Interest-bearing | $10.4M | $11.9M | |
| Total cash and cash equivalents | $34.3M | $42.2M | |
| Interest bearing time deposits with other banks | $3.8M | $3.8M | |
| Equity securities | $1.8M | $1.7M | |
| Available-for-sale securities | $444.7M | $425.9M | |
| Loans held for sale | $9.4M | $9.6M | |
| Loans (net of allowance for credit losses: $ 2025, 22,806; 2024, $21,699) | $2.3B | $2.3B | |
| Premises and equipment | $21.0M | $21.4M | |
| Accrued interest receivable | $10.7M | $10.3M | |
| Goodwill | $85.8M | $85.8M | |
| Bank owned life insurance | $51.5M | $50.3M | |
| Other intangibles | $2.2M | $2.9M | |
| Fair value of derivative instruments - asset | $6.9M | $10.4M | |
| Deferred tax asset | $11.4M | $15.2M | |
| Other assets | $53.1M | $54.6M | |
| TOTAL ASSETS | $3.1B | $3.0B | |
| Noninterest-bearing | $516.7M | $532.8M | |
| Interest-bearing | $1.9B | $1.8B | |
| Total deposits | $2.4B | $2.4B | |
| Borrowed funds | $309.4M | $297.7M | |
| Accrued interest payable | $3.1M | $4.7M | |
| Fair value of derivative instruments - liability | $4.1M | $5.8M | |
| Other liabilities | $32.9M | $35.7M | |
| TOTAL LIABILITIES | $2.7B | $2.7B | |
| Preferred Stock $1.00 par value; authorized 3,000,000 shares 2025 and 2024; none issued in 2025 or 2024 | $0 | $0 | |
| Common Stock $1.00 par value; authorized 25,000,000 shares 2025 and 2024; issued 5,255,807 and 5,207,577 share in 2025 and 2024, respectively | $5.3M | $5.2M | |
| Additional paid-in capital | $148.0M | $145.0M | |
| Retained earnings | $213.6M | $189.4M | |
| Accumulated other comprehensive loss | -$12.4M | -$23.5M | |
| Treasury stock, at cost: 448,727 and 447,965 shares for 2025 and 2024, respectively | -$16.4M | -$16.4M | |
| TOTAL STOCKHOLDERS EQUITY | $338.1M | $299.7M | $279.7M |
| TOTAL LIABILITIES AND STOCKHOLDERS EQUITY | $3.1B | $3.0B | |
| Loans, allowance for credit losses - loans | $22.8M | $21.7M | $21.2M |
| Preferred Stock, par value (in Dollars per share) | $1.00 | $1.00 | |
| Preferred Stock, authorized (in Shares) | 3.0M shares | 3.0M shares | |
| Preferred Stock, issued (in Shares) | 0 shares | 0 shares | |
| Common Stock, par value (in Dollars per share) | $1.00 | $1.00 | |
| Common Stock, authorized (in Shares) | 25.0M shares | 25.0M shares | |
| Common Stock, issued (in Shares) | 5.3M shares | 5.2M shares | |
| Treasury stock, shares (in Shares) | 448.7K shares | 448.0K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $36.6M | $27.8M | $17.8M |
| Provision for credit losses | $2.4M | $2.6M | $5.5M |
| Depreciation and amortization | $2.1M | $1.8M | $1.5M |
| Amortization and accretion of loans and other assets | -$3.8M | -$3.2M | -$3.1M |
| Amortization and accretion on investment securities | $618.0K | $1.4M | $1.6M |
| Deferred income taxes | $797.0K | $1.8M | $595.0K |
| Equity security (gains) losses, net | -$67.0K | -$145.0K | $144.0K |
| Available for sale security (gains) losses, net | $0 | $0 | $51.0K |
| Earnings on bank owned life insurance | -$1.4M | -$1.7M | -$1.3M |
| Stock awards | $625.0K | $412.0K | $309.0K |
| Originations of loans held for sale | -$153.5M | -$155.4M | -$87.3M |
| Proceeds from sales of loans held for sale | $155.9M | $157.4M | $90.8M |
| Realized gains on loans sold | -$2.3M | -$2.3M | -$1.5M |
| Realized gains on sale of Braavo | $0 | -$1.1M | $0 |
| (Increase) decrease in accrued interest receivable | -$391.0K | $736.0K | -$1.5M |
| Increase (decrease) in accrued interest payable | -$1.6M | $395.0K | $2.2M |
| Other, net | $568.0K | $2.7M | $668.0K |
| Net cash provided by operating activities | $36.5M | $33.2M | $26.5M |
| Proceeds from sales of available-for-sale securities | $0 | $0 | $86.5M |
| Proceeds from maturity and principal repayments of securities | $78.8M | $62.9M | $27.0M |
| Purchase of securities | -$82.4M | -$70.4M | -$10.2M |
| Proceeds from sale of equity securities | $0 | $335.0K | $127.0K |
| Proceeds from redemption of Regulatory Stock | $33.6M | $28.1M | $24.9M |
| Purchase of Regulatory Stock | -$35.9M | -$27.6M | -$29.1M |
| Net increase in loans | -$33.5M | -$70.2M | -$44.0M |
| Purchase of interest bearing time deposits | $0 | -$100.0K | -$100.0K |
| Proceeds from matured interest bearing time deposits with other banks | $0 | $350.0K | $2.1M |
| Purchase of premises, equipment and software | -$1.3M | -$1.3M | -$2.6M |
| Proceeds from sale of premises and equipment | $12.0K | $0 | $0 |
| Proceeds from bank owned life insurance | $272.0K | $1.2M | $1.1M |
| Investments in low income housing partnerships | $0 | $0 | -$1.5M |
| Proceeds from sale of foreclosed assets held for sale | $238.0K | $567.0K | $335.0K |
| Proceeds from sale of Braavo assets | $0 | $7.2M | $0 |
| Acquisition, net of cash paid | $0 | $0 | $4.9M |
| Net cash (used in) provided by investing activities | -$40.1M | -$69.1M | $59.5M |
| Net (decrease) increase in deposits | -$5.0M | $60.5M | -$56.1M |
| Proceeds from long-term borrowings | $0 | $0 | $40.0M |
| Repayments of long-term borrowings | -$42.0M | -$35.0M | $0 |
| Net increase (decrease) in short-term borrowed funds | $52.7M | $9.3M | -$34.6M |
| Purchase of treasury stock | -$358.0K | -$202.0K | -$265.0K |
| Purchase of restricted stock | -$187.0K | -$64.0K | $0 |
| Sale of treasury stock | $0 | $0 | $34.0K |
| Issuance of common stock for employee stock purchase plan | $68.0K | $16.0K | $0 |
| Dividends paid | -$9.5M | -$9.3M | -$8.5M |
| Net cash (used in) provided by financing activities | -$4.4M | $25.3M | -$59.4M |
| Net (decrease) increase in cash and cash equivalents | -$7.9M | -$10.6M | $26.6M |
| Interest paid | $62.7M | $67.5M | $44.7M |
| Income taxes paid | $6.6M | $2.8M | $5.1M |
| Stock dividend | $2.8M | $2.0M | $3.0M |
| Real estate acquired in settlement of loans | $40.0K | $2.6M | $147.0K |
| Investments matured and not settled included in other assets | $0 | $0 | $8.0M |
| Investments in low income housing included in other assets and liabilities | $0 | $0 | $6.5M |
| Right of use asset and liability | $2.1M | $306.0K | $28.0K |
| CECL adjustment | $0 | $0 | $3.3M |
Compare CITIZENS FINANCIAL SERVICES INC with another company
Recent filings
- Sep 22, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 15, 20264 PRIMARY DOCUMENT
- Sep 8, 20264 PRIMARY DOCUMENT
- Sep 1, 20264 PRIMARY DOCUMENT
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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