US Stock MarketDetailed Quotes

CZFS Citizens Financial Services

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  • 70.610
  • -0.040-0.06%
Close Nov 29 13:00 ET
  • 70.610
  • 0.0000.00%
Post 13:02 ET
336.08MMarket Cap12.07P/E (TTM)

Citizens Financial Services Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
(Q3)Sep 30, 2023
(Q2)Jun 30, 2023
(Q1)Mar 31, 2023
(FY)Dec 31, 2022
(Q4)Dec 31, 2022
Total revenue
-3.79%25.08M
21.95%24.64M
22.58%24.83M
12.21%91.87M
17.29%25.34M
21.02%26.07M
0.84%20.2M
8.35%20.25M
4.41%81.87M
11.49%21.61M
Net interest income
-4.94%20.94M
18.74%20.91M
15.71%20.56M
10.27%78.85M
12.73%21.45M
18.01%22.03M
-0.16%17.61M
9.82%17.77M
8.79%71.51M
13.40%19.03M
-Net interest income
5.48%38.3M
41.56%37.51M
51.38%37.53M
51.95%125.71M
58.23%38.11M
68.09%36.31M
37.18%26.5M
39.83%24.79M
13.58%82.73M
30.77%24.09M
-Interest income from loans and lease
6.18%35.86M
45.40%35.07M
55.81%35.13M
56.30%116.08M
63.26%35.64M
74.12%33.77M
40.87%24.12M
41.64%22.55M
11.89%74.27M
29.92%21.83M
-Interest income from deposits
-28.03%190K
106.30%262K
242.25%243K
84.00%736K
308.96%274K
332.79%264K
-18.59%127K
-38.79%71K
-10.51%400K
-40.18%67K
-Interest income from securities
-0.92%2.25M
-3.19%2.18M
-0.78%2.16M
10.30%8.9M
0.41%2.2M
6.06%2.27M
10.49%2.26M
28.20%2.17M
34.01%8.07M
45.55%2.19M
-Total interest expense
21.56%17.37M
86.77%16.6M
141.57%16.98M
317.52%46.86M
229.52%16.66M
386.38%14.29M
429.74%8.89M
352.48%7.03M
57.96%11.22M
208.99%5.06M
-Interest expense for deposit
33.42%13.48M
130.93%12.66M
212.80%12.32M
333.28%31.7M
327.82%12.18M
449.51%10.1M
304.13%5.48M
208.94%3.94M
25.34%7.32M
120.36%2.85M
-Interest expense for long term debt and capital securities
-7.05%3.89M
15.78%3.95M
50.71%4.65M
288.00%15.16M
102.76%4.48M
280.80%4.19M
958.70%3.41M
1,010.79%3.09M
208.12%3.91M
541.86%2.21M
Non interest income
2.52%4.14M
43.81%3.73M
71.62%4.27M
25.59%13.01M
50.97%3.89M
40.61%4.04M
8.23%2.59M
-1.07%2.49M
-18.31%10.36M
-0.81%2.58M
-Total premiums earned
-30.88%338K
40.17%328K
206.42%668K
47.18%1.25M
44.24%313K
126.39%489K
10.38%234K
5.31%218K
-53.39%852K
17.30%217K
-Fees and commissions
1.20%2.37M
12.16%2.15M
16.68%2.28M
3.52%8.33M
10.65%2.12M
9.10%2.34M
-4.63%1.92M
-1.16%1.96M
11.03%8.04M
0.68%1.92M
-Other non interest income
-54.07%141K
443.02%467K
157.47%448K
-9.23%767K
-8.68%200K
16.29%307K
-51.14%86K
-6.45%174K
-39.56%845K
9.50%219K
-Gain loss on sale of assets
72.21%911K
790.91%392K
372.83%472K
42,000.00%1.26M
2,242.50%857K
655.71%529K
147.31%44K
-388.33%-173K
-100.16%-3K
-117.78%-40K
-Dividend income
2.37%388K
25.40%390K
27.71%401K
125.84%1.41M
50.94%403K
108.24%379K
245.56%311K
273.81%314K
64.81%623K
206.90%267K
Credit losses provision
142.11%200K
58.75%-2M
-785K
-228.46%-5.53M
22.48%-200K
34.48%-475K
-978.44%-4.85M
0
-8.58%-1.68M
-258K
Non interest expense
1.31%16.03M
32.32%16.25M
44.30%16.64M
25.11%55.55M
40.18%15.92M
36.22%15.82M
9.63%12.28M
12.74%11.53M
6.86%44.4M
4.36%11.36M
Occupancy and equipment
-0.07%1.48M
59.94%1.56M
58.22%1.56M
33.54%4.95M
56.98%1.51M
63.82%1.48M
6.09%976K
6.83%986K
6.26%3.7M
12.15%960K
Professional expense and contract services expense
22.53%620K
80.36%698K
84.51%703K
19.56%1.96M
115.00%688K
-13.95%506K
-1.78%387K
12.39%381K
7.54%1.64M
-14.21%320K
Selling and administrative expenses
-1.06%10.27M
22.87%10.13M
35.58%10.82M
27.89%36.47M
38.80%9.87M
46.34%10.38M
13.48%8.24M
13.18%7.98M
7.91%28.51M
5.71%7.11M
-General and administrative expense
-1.06%10.27M
22.87%10.13M
35.58%10.82M
27.89%36.47M
38.80%9.87M
46.34%10.38M
13.48%8.24M
13.18%7.98M
7.91%28.51M
5.71%7.11M
Depreciation amortization depletion
-13.38%136K
374.19%147K
380.65%149K
139.10%373K
327.78%154K
292.50%157K
-22.50%31K
-22.50%31K
-18.75%156K
-21.74%36K
-Depreciation and amortization
-13.38%136K
374.19%147K
380.65%149K
139.10%373K
327.78%154K
292.50%157K
-22.50%31K
-22.50%31K
-18.75%156K
-21.74%36K
Other non-interest expense
6.84%3.53M
40.52%3.71M
58.22%3.42M
13.66%11.81M
26.33%3.7M
10.36%3.3M
2.28%2.64M
14.78%2.16M
4.70%10.39M
1.70%2.93M
Income from associates and other participating interests
Special income (charges)
0
0
551.64%1.1M
-3,074.32%-9.27M
0
-623K
-8.4M
-244K
-292K
-292K
Gain on sale of business
--0
--0
--1.1M
----
----
--0
--0
--0
----
----
Less:Restructuring and mergern&acquisition
--0
--0
--0
3,074.32%9.27M
--0
--623K
--8.4M
--244K
--292K
--292K
Other non-operating income (expenses)
Income before tax
1.13%9.25M
219.80%6.39M
0.29%8.5M
-39.39%21.52M
-4.92%9.22M
-0.57%9.15M
-163.60%-5.33M
3.21%8.48M
0.50%35.5M
14.16%9.7M
Income tax
7.19%1.71M
193.69%1.11M
-8.20%1.48M
-42.44%3.7M
-7.78%1.68M
-3.38%1.6M
-180.16%-1.19M
9.31%1.61M
3.81%6.44M
17.50%1.83M
Earnings from equity interest net of tax
Net income
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
-0.20%29.06M
13.41%7.88M
Net Income continuous operations
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
-0.20%29.06M
13.41%7.88M
Minority interest income
Net income attributable to the parent company
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
-0.20%29.06M
13.41%7.88M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
-0.16%7.54M
227.29%5.28M
2.29%7.02M
-38.71%17.81M
-4.25%7.54M
0.05%7.55M
-160.05%-4.14M
1.88%6.87M
-0.20%29.06M
13.41%7.88M
Basic earnings per share
0.00%1.59
209.90%1.11
-13.73%1.4752
-44.00%4.0198
-18.79%1.5842
-14.58%1.59
-159.31%-1.01
3.10%1.71
0.18%7.1782
14.20%1.9508
Diluted earnings per share
0.00%1.59
209.90%1.11
-13.73%1.4752
-44.00%4.0198
-18.79%1.5842
-14.58%1.59
-159.31%-1.01
3.10%1.71
0.18%7.1782
14.20%1.9508
Dividend per share
1.00%0.49
2.04%0.49
2.04%0.4851
3.12%1.9259
3.10%0.4851
3.10%0.4851
3.13%0.4802
3.13%0.4754
3.16%1.8678
3.15%0.4705
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023(Q3)Sep 30, 2023(Q2)Jun 30, 2023(Q1)Mar 31, 2023(FY)Dec 31, 2022(Q4)Dec 31, 2022
Total revenue -3.79%25.08M21.95%24.64M22.58%24.83M12.21%91.87M17.29%25.34M21.02%26.07M0.84%20.2M8.35%20.25M4.41%81.87M11.49%21.61M
Net interest income -4.94%20.94M18.74%20.91M15.71%20.56M10.27%78.85M12.73%21.45M18.01%22.03M-0.16%17.61M9.82%17.77M8.79%71.51M13.40%19.03M
-Net interest income 5.48%38.3M41.56%37.51M51.38%37.53M51.95%125.71M58.23%38.11M68.09%36.31M37.18%26.5M39.83%24.79M13.58%82.73M30.77%24.09M
-Interest income from loans and lease 6.18%35.86M45.40%35.07M55.81%35.13M56.30%116.08M63.26%35.64M74.12%33.77M40.87%24.12M41.64%22.55M11.89%74.27M29.92%21.83M
-Interest income from deposits -28.03%190K106.30%262K242.25%243K84.00%736K308.96%274K332.79%264K-18.59%127K-38.79%71K-10.51%400K-40.18%67K
-Interest income from securities -0.92%2.25M-3.19%2.18M-0.78%2.16M10.30%8.9M0.41%2.2M6.06%2.27M10.49%2.26M28.20%2.17M34.01%8.07M45.55%2.19M
-Total interest expense 21.56%17.37M86.77%16.6M141.57%16.98M317.52%46.86M229.52%16.66M386.38%14.29M429.74%8.89M352.48%7.03M57.96%11.22M208.99%5.06M
-Interest expense for deposit 33.42%13.48M130.93%12.66M212.80%12.32M333.28%31.7M327.82%12.18M449.51%10.1M304.13%5.48M208.94%3.94M25.34%7.32M120.36%2.85M
-Interest expense for long term debt and capital securities -7.05%3.89M15.78%3.95M50.71%4.65M288.00%15.16M102.76%4.48M280.80%4.19M958.70%3.41M1,010.79%3.09M208.12%3.91M541.86%2.21M
Non interest income 2.52%4.14M43.81%3.73M71.62%4.27M25.59%13.01M50.97%3.89M40.61%4.04M8.23%2.59M-1.07%2.49M-18.31%10.36M-0.81%2.58M
-Total premiums earned -30.88%338K40.17%328K206.42%668K47.18%1.25M44.24%313K126.39%489K10.38%234K5.31%218K-53.39%852K17.30%217K
-Fees and commissions 1.20%2.37M12.16%2.15M16.68%2.28M3.52%8.33M10.65%2.12M9.10%2.34M-4.63%1.92M-1.16%1.96M11.03%8.04M0.68%1.92M
-Other non interest income -54.07%141K443.02%467K157.47%448K-9.23%767K-8.68%200K16.29%307K-51.14%86K-6.45%174K-39.56%845K9.50%219K
-Gain loss on sale of assets 72.21%911K790.91%392K372.83%472K42,000.00%1.26M2,242.50%857K655.71%529K147.31%44K-388.33%-173K-100.16%-3K-117.78%-40K
-Dividend income 2.37%388K25.40%390K27.71%401K125.84%1.41M50.94%403K108.24%379K245.56%311K273.81%314K64.81%623K206.90%267K
Credit losses provision 142.11%200K58.75%-2M-785K-228.46%-5.53M22.48%-200K34.48%-475K-978.44%-4.85M0-8.58%-1.68M-258K
Non interest expense 1.31%16.03M32.32%16.25M44.30%16.64M25.11%55.55M40.18%15.92M36.22%15.82M9.63%12.28M12.74%11.53M6.86%44.4M4.36%11.36M
Occupancy and equipment -0.07%1.48M59.94%1.56M58.22%1.56M33.54%4.95M56.98%1.51M63.82%1.48M6.09%976K6.83%986K6.26%3.7M12.15%960K
Professional expense and contract services expense 22.53%620K80.36%698K84.51%703K19.56%1.96M115.00%688K-13.95%506K-1.78%387K12.39%381K7.54%1.64M-14.21%320K
Selling and administrative expenses -1.06%10.27M22.87%10.13M35.58%10.82M27.89%36.47M38.80%9.87M46.34%10.38M13.48%8.24M13.18%7.98M7.91%28.51M5.71%7.11M
-General and administrative expense -1.06%10.27M22.87%10.13M35.58%10.82M27.89%36.47M38.80%9.87M46.34%10.38M13.48%8.24M13.18%7.98M7.91%28.51M5.71%7.11M
Depreciation amortization depletion -13.38%136K374.19%147K380.65%149K139.10%373K327.78%154K292.50%157K-22.50%31K-22.50%31K-18.75%156K-21.74%36K
-Depreciation and amortization -13.38%136K374.19%147K380.65%149K139.10%373K327.78%154K292.50%157K-22.50%31K-22.50%31K-18.75%156K-21.74%36K
Other non-interest expense 6.84%3.53M40.52%3.71M58.22%3.42M13.66%11.81M26.33%3.7M10.36%3.3M2.28%2.64M14.78%2.16M4.70%10.39M1.70%2.93M
Income from associates and other participating interests
Special income (charges) 00551.64%1.1M-3,074.32%-9.27M0-623K-8.4M-244K-292K-292K
Gain on sale of business --0--0--1.1M----------0--0--0--------
Less:Restructuring and mergern&acquisition --0--0--03,074.32%9.27M--0--623K--8.4M--244K--292K--292K
Other non-operating income (expenses)
Income before tax 1.13%9.25M219.80%6.39M0.29%8.5M-39.39%21.52M-4.92%9.22M-0.57%9.15M-163.60%-5.33M3.21%8.48M0.50%35.5M14.16%9.7M
Income tax 7.19%1.71M193.69%1.11M-8.20%1.48M-42.44%3.7M-7.78%1.68M-3.38%1.6M-180.16%-1.19M9.31%1.61M3.81%6.44M17.50%1.83M
Earnings from equity interest net of tax
Net income -0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M
Net Income continuous operations -0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M
Minority interest income
Net income attributable to the parent company -0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders -0.16%7.54M227.29%5.28M2.29%7.02M-38.71%17.81M-4.25%7.54M0.05%7.55M-160.05%-4.14M1.88%6.87M-0.20%29.06M13.41%7.88M
Basic earnings per share 0.00%1.59209.90%1.11-13.73%1.4752-44.00%4.0198-18.79%1.5842-14.58%1.59-159.31%-1.013.10%1.710.18%7.178214.20%1.9508
Diluted earnings per share 0.00%1.59209.90%1.11-13.73%1.4752-44.00%4.0198-18.79%1.5842-14.58%1.59-159.31%-1.013.10%1.710.18%7.178214.20%1.9508
Dividend per share 1.00%0.492.04%0.492.04%0.48513.12%1.92593.10%0.48513.10%0.48513.13%0.48023.13%0.47543.16%1.86783.15%0.4705
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--

Analysis

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Price Target

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