Citizens Financial Services, Inc. (CZFS) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 133.91M | 74.17M | 107.65M | 116.75M | 85.41M | 93.14M | 459.77M | 444.91M | 438.3M | 474.49M | 465.71M | 483.84M | 475.64M | 471.77M | 474.43M | 491.6M | 586.11M | 596.26M | 510.29M | 489.46M |
| Cash & Due from Banks | 36.92M | 38.11M | 34.9M | 53.3M | 40.61M | 46.02M | 40.58M | 42.25M | 33.44M | 56.89M | 47.9M | 49.52M | 32.23M | 32.27M | 29.2M | 28.72M | 124.64M | 183.86M | 113.25M | 120.46M |
| Short Term Investments | 96.99M | 36.05M | 72.76M | 63.45M | 44.8M | 47.12M | 419.19M | 402.66M | 404.87M | 417.6M | 417.81M | 434.31M | 443.42M | 439.51M | 445.22M | 462.88M | 461.47M | 412.4M | 397.04M | 369M |
| Total Investments | 2.39B | 2.79B | 2.41B | 2.31B | 2.76B | 2.74B | 2.75B | 2.66B | 2.65B | 2.67B | 2.68B | 2.61B | 2.17B | 2.17B | 2.19B | 2.06B | 1.93B | 1.85B | 1.83B | 1.77B |
| Investments Growth % | -13.61% | 1.88% | -12.51% | -13.35% | 4.36% | 2.58% | 2.83% | 2.14% | 22.11% | 23.31% | 22.45% | 26.71% | 12.6% | 17.21% | 19.59% | 16.02% | 11.84% | 8.6% | 10.15% | 8.25% |
| Long-Term Investments | 2.29B | 2.75B | 2.34B | 2.25B | 2.72B | 2.69B | 2.33B | 2.26B | 2.24B | 2.25B | 2.26B | 2.17B | 1.73B | 1.73B | 1.74B | 1.6B | 1.46B | 1.44B | 1.43B | 1.41B |
| Accounts Receivables | 10.94M | 10.7M | 11.41M | 10.6M | 10.92M | 10.31M | 10.8M | 10.78M | 10.6M | 11.04M | 10.33M | 9.28M | 7.18M | 7.33M | 6.54M | 5.87M | 5.41M | 5.24M | 5.23M | 5.56M |
| Goodwill & Intangibles | 87.83M | 87.98M | 88.13M | 88.29M | 88.47M | 88.65M | 88.84M | 89M | 89.21M | 89.41M | 88.62M | 88.83M | 32.56M | 32.65M | 32.75M | 32.83M | 32.92M | 33M | 33.05M | 33.08M |
| Goodwill | 85.76M | 85.76M | 85.76M | 85.76M | 85.76M | 85.76M | 85.76M | 85.76M | 85.76M | 85.76M | 84.76M | 84.76M | 31.38M | 31.38M | 31.38M | 31.38M | 31.38M | 31.38M | 31.38M | 31.38M |
| Intangible Assets | 2.07M | 2.22M | 2.37M | 2.53M | 2.71M | 2.89M | 3.08M | 3.24M | 3.45M | 3.65M | 3.87M | 4.07M | 1.18M | 1.27M | 1.37M | 1.45M | 1.55M | 1.63M | 1.68M | 1.71M |
| PP&E (Net) | 20.71M | 21M | 21.51M | 21.78M | 21.63M | 31.36M | 21.24M | 20.9M | 21.08M | 21.38M | 21.42M | 21.38M | 17.59M | 17.62M | 17.37M | 17.48M | 16.85M | 17.02M | 17.2M | 17.24M |
| Other Assets | 470.7M | 104.65M | 479.69M | 470.73M | 77.01M | 86.2M | 97.81M | 102.92M | 101.32M | 108.97M | 92.65M | 93.99M | 66.63M | 65.16M | 77.75M | 69.13M | 72.36M | 53.2M | 50.44M | 52.34M |
| Total Current Assets | 144.85M | 84.86M | 119.06M | 127.36M | 96.33M | 103.45M | 470.58M | 455.7M | 448.9M | 485.53M | 476.04M | 493.12M | 482.82M | 479.1M | 480.97M | 497.48M | 591.53M | 601.5M | 515.52M | 495.03M |
| Total Non-Current Assets | 2.88B | 2.98B | 2.94B | 2.84B | 2.92B | 2.92B | 2.56B | 2.49B | 2.47B | 2.49B | 2.48B | 2.4B | 1.85B | 1.85B | 1.87B | 1.72B | 1.59B | 1.54B | 1.53B | 1.51B |
| Total Assets | 3.03B | 3.06B | 3.06B | 2.97B | 3.02B | 3.03B | 3.03B | 2.95B | 2.92B | 2.98B | 2.96B | 2.89B | 2.34B | 2.33B | 2.35B | 2.21B | 2.18B | 2.14B | 2.05B | 2B |
| Asset Growth % | 0.34% | 1.28% | 0.99% | 0.67% | 3.26% | 1.69% | 2.27% | 1.93% | 25.08% | 27.51% | 25.94% | 30.68% | 7.23% | 8.84% | 14.78% | 10.46% | 9.13% | 13.33% | 10.16% | 11.29% |
| Return on Assets (ROA) | 0.34% | 0.34% | 0.33% | 0.28% | 0.25% | 0.26% | 0.25% | 0.18% | 0.24% | 0.25% | 0.26% | -0.16% | 0.29% | 0.34% | 0.33% | 0.31% | 0.31% | 0.33% | 0.35% | 0.33% |
| Accounts Payable | 3.75M | 3.13M | 3.75M | 2.74M | 3.14M | 4.69M | 5.55M | 5.48M | 4.12M | 4.3M | 2.73M | 2.26M | 1.77M | 1.23M | 922K | 566K | 714K | 711K | 823K | 789K |
| Total Debt | 198.74M | 309.45M | 279.59M | 313.22M | 302.03M | 297.72M | 231.73M | 334.83M | 283.56M | 302.04M | 316.15M | 318.2M | 288.06M | 257.28M | 258.92M | 110.54M | 68.21M | 73.98M | 78.2M | 97.83M |
| Net Debt | 161.81M | 271.34M | 244.69M | 259.92M | 261.42M | 251.7M | 191.15M | 292.58M | 250.13M | 245.15M | 268.25M | 268.68M | 255.83M | 225.01M | 229.72M | 81.82M | -56.43M | -109.88M | -35.05M | -22.63M |
| Long-Term Debt | 198.74M | 293.95M | 279.59M | 313.22M | 302.03M | 272.81M | 231.73M | 334.83M | 283.56M | 271.42M | 316.15M | 318.2M | 288.06M | 257.28M | 258.92M | 110.54M | 68.21M | 73.98M | 78.2M | 97.83M |
| Short-Term Debt | 0 | 15.5M | 0 | 0 | 0 | 24.91M | 0 | 0 | 0 | 30.61M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 39.23M | 36.96M | 34.19M | 45M | 38.02M | 41.55M | 40.38M | 47.66M | 47.86M | 67.84M | 42.52M | 42.02M | 32.65M | 30.53M | 29.73M | 28.01M | 27.12M | 20.53M | 18.24M | 17.88M |
| Total Current Liabilities | 2.44B | 2.4B | 2.41B | 2.3B | 2.37B | 2.41B | 2.46B | 2.28B | 2.31B | 2.36B | 2.34B | 2.27B | 1.8B | 1.85B | 1.87B | 1.88B | 1.88B | 1.84B | 1.74B | 1.68B |
| Total Non-Current Liabilities | 237.97M | 330.91M | 313.78M | 358.22M | 340.05M | 314.36M | 272.12M | 382.48M | 331.43M | 339.26M | 358.67M | 360.22M | 320.7M | 287.81M | 288.65M | 138.55M | 95.34M | 94.51M | 96.44M | 115.7M |
| Total Liabilities | 2.68B | 2.73B | 2.73B | 2.65B | 2.71B | 2.73B | 2.73B | 2.66B | 2.64B | 2.7B | 2.7B | 2.63B | 2.12B | 2.13B | 2.16B | 2.02B | 1.98B | 1.93B | 1.84B | 1.8B |
| Total Equity | 343.58M | 338.05M | 327.68M | 313.65M | 308.3M | 299.73M | 298.65M | 286.47M | 282.67M | 279.67M | 262.69M | 263.23M | 213.24M | 200.15M | 191.43M | 195.03M | 202.75M | 212.49M | 208.97M | 204.42M |
| Equity Growth % | 11.44% | 12.78% | 9.72% | 9.49% | 9.06% | 7.18% | 13.69% | 8.83% | 32.56% | 39.73% | 37.22% | 34.97% | 5.18% | -5.81% | -8.39% | -4.59% | 1.98% | 9.39% | 10.53% | 11.65% |
| Equity / Assets (Capital Ratio) | 11.35% | 11.03% | 10.72% | 10.57% | 10.22% | 9.91% | 9.87% | 9.72% | 9.68% | 9.4% | 8.88% | 9.1% | 9.13% | 8.58% | 8.15% | 8.81% | 9.31% | 9.91% | 10.21% | 10.2% |
| Return on Equity (ROE) | 3.04% | 3.15% | 3.12% | 2.72% | 2.51% | 2.67% | 2.58% | 1.85% | 2.5% | 2.78% | 2.87% | -1.74% | 3.32% | 4.02% | 3.9% | 3.47% | 3.25% | 3.3% | 3.42% | 3.3% |
| Book Value per Share | 71.59 | 70.45 | 68.27 | 65.33 | 64.88 | 63.07 | 62.86 | 60.26 | 59.52 | 58.33 | 55.34 | 64.00 | 53.23 | 49.47 | 47.30 | 48.12 | 49.96 | 52.30 | 51.83 | 50.71 |
| Tangible BV per Share | 53.29 | 52.12 | 49.91 | 46.94 | 46.26 | 44.42 | 44.16 | 41.54 | 40.74 | 39.68 | 36.67 | 42.40 | 45.10 | 41.40 | 39.21 | 40.02 | 41.84 | 44.18 | 43.63 | 42.51 |
| Common Stock | 5.26M | 5.26M | 5.25M | 5.25M | 5.21M | 5.21M | 5.21M | 5.21M | 5.16M | 5.16M | 5.16M | 5.16M | 4.43M | 4.43M | 4.43M | 4.43M | 4.39M | 4.39M | 4.39M | 4.39M |
| Additional Paid-in Capital | 147.99M | 147.97M | 147.97M | 147.88M | 145.01M | 144.98M | 144.93M | 144.99M | 143.23M | 143.23M | 143.3M | 143.35M | 80.93M | 80.91M | 80.87M | 80.89M | 78.4M | 78.39M | 78.37M | 78.41M |
| Retained Earnings | 221.6M | 213.62M | 205.54M | 197.94M | 194.71M | 189.44M | 183.79M | 178.59M | 177.69M | 172.97M | 167.74M | 162.5M | 171.63M | 164.92M | 158.95M | 153.31M | 150.88M | 146.01M | 140.92M | 135.71M |
| Accumulated OCI | -14.68M | -12.38M | -14.65M | -21.03M | -20.24M | -23.52M | -18.92M | -25.93M | -26.62M | -24.91M | -36.64M | -30.98M | -26.76M | -33.14M | -35.85M | -26.56M | -14.77M | -155K | 969K | 1.61M |
| Treasury Stock | -16.58M | -16.42M | -16.44M | -16.39M | -16.39M | -16.38M | -16.36M | -16.38M | -16.79M | -16.79M | -16.87M | -16.8M | -16.98M | -16.97M | -16.96M | -17.04M | -16.15M | -16.15M | -15.68M | -15.71M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |