CITIZENS FINANCIAL SERVICES INC
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $9.9M | $9.6M | $9.0M | $8.6M | $7.7M |
| Interest expense | — | — | $46.9M | $11.2M | $7.1M |
| Pretax income | $45.2M | $33.9M | $21.6M | $35.5M | $35.3M |
| Income tax expense | $8.7M | $6.1M | $3.8M | $6.4M | $6.2M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M | $29.1M |
| Balance Sheet | |||||
| Cash and equivalents | $34.3M | $42.2M | $52.8M | $26.2M | $172.8M |
| Total assets | $3.1B | $3.0B | $3.0B | $2.3B | $2.1B |
| Total liabilities | $2.7B | $2.7B | $2.7B | $2.1B | $1.9B |
| Total debt | $309.4M | $297.7M | $322.0M | $257.3M | $74.0M |
| Stockholders' equity | $338.1M | $299.7M | $279.7M | $200.1M | $212.5M |
| Cash Flow Statement | |||||
| Cash from operations | $36.5M | $33.2M | $26.5M | $33.2M | $38.7M |
| Depreciation and amortization | $2.1M | $1.8M | $1.5M | $1.0M | $1.1M |
| Stock-based compensation | $625,000 | $412,000 | $309,000 | $336,000 | $614,000 |
| Capital expenditure | $1.3M | $1.3M | $2.6M | $1.6M | $1.1M |
| Free cash flow | $35.2M | $31.9M | $23.9M | $31.6M | $37.6M |
| Dividends paid | $9.5M | $9.3M | $8.5M | $7.6M | $7.4M |
| Share repurchases | $358,000 | $202,000 | $265,000 | $1.3M | $1.4M |
| Impairments | $0 | $0 | $0 | $0 | $0 |
Shares outstanding 4.8M · Free float 86.1%
Annual filing data through FY ended December 31, 2025; float as of July 9, 2026.