Name: CZFS Income Statement - Citizens Financial Services Revenue & EPS | Ledgeburg
Creator: Ledgeburg
License: https://creativecommons.org/licenses/by/4.0/
Keywords: Revenue, Cost of Revenue, Gross Profit, Operating Expenses, Operating Income, Net Income, EPS Basic, EPS Diluted

JavaScript is disabled. Some features may not work properly. For the best experience, please enable JavaScript in your browser.

CZFS - Citizens Financial Services Inc.

USD | NASDAQ | Financial Services

CZFS Income Statement - Citizens Financial Services Revenue & EPS | Ledgeburg

(in millions of USD, except per-share data)	Q1 FY 26	Q4 FY 25	Q3 FY 25	Q2 FY 25	Q1 FY 25	Q4 FY 24	Q3 FY 24	Q2 FY 24	Q1 FY 24	Q4 FY 23	Q3 FY 23	Q2 FY 23	Q1 FY 23	Q4 FY 22	Q3 FY 22	Q2 FY 22	Q1 FY 22	Q4 FY 21	Q3 FY 21	Q2 FY 21	Q1 FY 21	Q4 FY 20	Q3 FY 20	Q2 FY 20	Q1 FY 20	Q4 FY 19	Q3 FY 19	Q2 FY 19	Q1 FY 19	Q4 FY 18	Q3 FY 18	Q2 FY 18	Q1 FY 18	Q4 FY 17	Q3 FY 17	Q2 FY 17	Q1 FY 17	Q4 FY 16	Q3 FY 16	Q2 FY 16
Revenues
Revenues	2.3	2.3	2.8	2.4	2.4	2.3	2.5	2.4	2.4	2.3	2.6	2.0	2.1	2.1	2.3	2.1

Source: SEC EDGAR company filings. Figures as reported (US GAAP)

(in millions of USD, except per-share data)	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009
Revenues
Revenues	9.8	9.9	9.6	9.0	8.6	7.7	6.7	6.9	6.5	-	-	-	-	-	-	-	-	-
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Non-Operating
Interest Income	160.4	159.2	154.3	127.1	83.4	73.2	70.3	62.0	56.8	48.1	43.0	35.7	35.3	36.2	38.1
Tax & Net
Income Tax Expense	9.2	8.7	6.1	3.8	6.4	6.2	5.3	3.8	3.4	6.0	3.0	2.7	3.6	3.8	4.3
Per Share
EPS Basic	8.20	7.62	5.80	3.98	7.17	7.24	6.46	5.42	5.04	3.67	3.57	3.60	4.36	4.38	4.61	4.16
Supplementary Data
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Source: SEC EDGAR company filings. Figures as reported (US GAAP)

Operating Expenses
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Selling General & Administrative	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Selling & Marketing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
General & Administrative	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of Intangibles	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1
Other Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Non-Operating
Interest Income	40.3	41.2	40.3	38.7	39.0	39.8	38.7	37.9	37.9	38.5	36.7	26.8	25.1	24.4	21.8	19.4	17.8	18.5	18.3	18.1	18.3	18.4	18.4	18.2	15.3	15.6	15.9	15.5	15.0	15.1	14.3	14.0	13.4	12.9	12.1	11.8	11.3	11.2	10.9	10.4
Interest Expense	-	-	-	-	-	-	-	-	17.0	16.7	14.3	8.9	7.0	5.1	2.9	1.7	1.6	1.6
Income From Equity Investments	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Non-Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pre-Tax Income	12.7	13.0	12.4	10.4	9.4	9.7	9.3	6.4	8.5	9.3	9.1	(5.3)	8.5	9.7	9.2	8.4	8.2

Tax & Net
Income Tax Expense	2.3	2.6	2.4	2.0	1.8	1.8	1.7	1.1	1.5	1.7	1.6	(1.2)	1.6	1.8	1.7	1.5	1.5	1.6	1.6	1.5	1.6	1.6	1.8	1.1	0.9	1.0	1.1	0.9	0.8	0.8	0.9	0.9	0.7	2.9	1.1	1.0	0.9	0.8	0.8	0.7
Net Income From Continuing Ops	10.4	10.5	10.0	8.5	7.6	8.0	7.5	5.3	7.0	7.5	7.5	(4.1)	6.9	7.9	7.5	6.9	6.7
Net Income From Discontinued Ops	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income	10.4	10.5	10.0	8.5	7.6	8.0	7.5	5.3	7.0	7.5	7.5	(4.1)	6.9	7.9	7.5	6.9	6.7
Net Income Attributable To Parent	10.4	10.5	10.0	8.5	7.6	8.0	7.5	5.3	7.0	7.5	7.5	(4.1)	6.9	7.9	7.5	6.9
Less: Minority Interest	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Less: Preferred Dividends	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Income To Common Shareholders	10.4	10.5	10.0	8.5	7.6	8.0	7.5	5.3	7.0	7.5	7.5	(4.1)	6.9	7.9	7.5

Per Share
EPS Basic	2.16	-	2.09	1.76	1.59	-	1.57	1.10	1.48	-	1.59	(1.00)	1.71	-	1.88	1.72	1.69	-	1.77	1.67	2.14	-	2.02	1.37	1.27	-	1.46	1.36	1.25	-	1.30	1.32	1.21	-	1.04	0.99	0.94	-	0.90	0.86
EPS Diluted	2.16	-	2.09	1.76	1.59	-	1.57	1.10	1.48	-	1.59	(1.00)	1.71	-	1.88	1.72	1.69	-
Shares Basic	4.8	-	4.8	4.8	4.8	-	4.8	4.8	4.7	-	4.7	4.2	4.0	-	4.0	4.0	4.0	-
Shares Diluted	4.8	-	4.8	4.8	4.8	-	4.8	4.8	4.7	-	4.7	4.2	4.0	-	4.0	4.0	4.0	-