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CZFS · XBRL financial data

Citizens Financial Services financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

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How these numbers work
  • Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
  • Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
  • * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
  • 0 means a filing states zero; a dash (—) means no filing states that number.
  • “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
  • Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
  • Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
  • Shares outstanding come from each filing's cover page, as of the date printed there.
  • Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

CSV

Fiscal quarters (CZFS's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Revenue from contracts with customers32*2232*2232*22
Interest expense1417*17—————————
Income tax expense (benefit)22*1122*2223*22
Net income (loss)88*7588*881010*1010
Earnings per share, basic USD per share1.611.59*1.491.111.591.66*1.601.762.092.16*2.162.12
Earnings per share, diluted USD per share1.611.59*1.491.111.591.66*1.601.762.092.16*2.162.12
Weighted average shares, basic millions of shares55*5555*5555*55
Weighted average shares, diluted millions of shares55*5555*5555*55

Balance sheet

CSV

Fiscal quarters (CZFS's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Cash and cash equivalents435330383742374931343339
Property and equipment, net212121212121222222212121
Right-of-use asset—11———10———11——
Goodwill858686868686868686868686
Total assets2,9592,9752,9212,9483,0263,0263,0162,9673,0563,0653,0263,192
Total deposits2,3352,3212,3032,2732,4502,3822,3652,2932,4112,3772,4412,395
Total liabilities2,6972,6962,6382,6612,7282,7262,7082,6542,7292,7272,6832,839
Retained earnings168173178179184189195198206214222229
Total stockholders' equity263280283286299300308314328338344353
Total liabilities and equity2,9592,9752,9212,9483,0263,0263,0162,9673,0563,0653,0263,192
Common shares outstanding (cover page) millions of shares555555555555

Cash flows

CSV

Fiscal quarters (CZFS's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Net income (loss)88*7588*881010*1010
Stock-based compensation—year only———year only———year only——
Net cash from operating activities7*16*133*6*10*116*3*17*18(0)*
Net cash from investing activities(73)*4*23(13)*(79)*(0)*(1)71*(104)*(6)*30(140)*
Proceeds from issuing common stock—year only———year only00*—year only00*
Proceeds from issuing equity——00*0*—00*0*———
Share repurchases0*0*00*0*(0)*00*0*(0)*00*
Dividends paid2*2*22*2*2*22*2*2*22*
Proceeds from long-term debt0*20*——0*0*———year only——
Repayments of long-term debt0*0*50*5*25*010*27*5*——
Net cash from financing activities64*(10)*(60)19*71*(5)*(16)(64)*82*(7)*(49)146*

Compare with peers

SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen
  • SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
  • Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
  • Runway shows only for companies burning cash with under $10B of public float.
  • * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
  • A cell reading “not reported” means the filings give no figure for that quarter alone.
CompanyCash ($M)Revenue, quarter ($M)Operating cash flow, quarter ($M)Shares outstandingRunwayQuarter
Citizens Financial Services392.4(0.1)*4.8M443.0 quarters 10-QJun 30, 2026
MVB Financial313not reported5.2*13.0M— 10-QJun 30, 2026
First Bancorp30not reported(13)*11.3M2.3 quarters 10-QJun 30, 2026
Colony Bankcorp160not reported9.1*21.2M— 10-QJun 30, 2026
Red River Bancshares195not reported12*6.6M— 10-QJun 30, 2026
NewtekOne395not reported(163)*28.9M2.4 quarters 10-QJun 30, 2026
Citizens & Northern83not reported15*17.9M— 10-QJun 30, 2026
BayCom177not reported5.1*10.9M— 10-QJun 30, 2026
RBB Bancorp2831.122*16.9M— 10-QJun 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.