The Tip Desk

CITIZENS FINANCIAL SERVICES INC

Financial highlights

Amounts in millions
MetricFY 12/31/25FY 12/31/24FY 12/31/23FY 12/31/22FY 12/31/21
Income Statement
Revenue$9.9$9.6$9.0$8.6$7.7
Net income$36.6$27.8$17.8$29.1$29.1
Balance Sheet
Total debt$309.4$297.7$322.0$257.3$74.0
Cash Flow Statement
Free cash flow$35.2$31.9$23.9$31.6$37.6
Dividends$9.5$9.3$8.5$7.6$7.4
Share repurchases$0.4$0.2$0.3$1.3$1.4

Shares outstanding 4.8M · Free float 86.1%

Annual filing data through FY ended December 31, 2025; float as of September 20, 2026.

Earnings

Other Coverage