Citizens Financial Services Inc
NASDAQ:CZFS

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Citizens Financial Services Inc
NASDAQ:CZFS
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Price: 61.8501 USD 4.28% Market Closed
Market Cap: 294.4m USD
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Balance Sheet

Balance Sheet Decomposition
Citizens Financial Services Inc

Net Loans 2.2B
Investments 443.1m
PP&E 20.9m
Intangibles 89m
Other Assets 161.6m
Total Deposits 2.3B
Long Term Debt 334.8m
Other Liabilities 53.1m

Balance Sheet
Citizens Financial Services Inc

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Balance Sheet
Currency: USD
Dec-2014 Dec-2015 Dec-2016 Dec-2017 Dec-2018 Dec-2019 Dec-2020 Dec-2021 Dec-2022 Dec-2023
Assets
Net Loans
547
688
791
989
1 069
1 102
1 390
1 424
1 706
2 228
Investments
310
368
321
262
248
248
332
471
467
458
PP&E Net
12
17
17
17
16
17
19
20
23
33
PP&E Gross
12
17
17
17
16
17
19
20
23
33
Accumulated Depreciation
11
12
12
13
13
14
15
16
17
18
Intangible Assets
0
2
2
2
2
1
2
2
1
4
Goodwill
10
21
21
23
23
23
31
31
31
86
Customer Acceptances Liabilities
0
0
0
0
0
0
0
0
0
0
Other Long-Term Assets
0
4
4
3
3
0
0
0
13
17
Other Assets
47
67
76
77
81
85
101
106
105
210
Total Assets
925
N/A
1 163
+26%
1 223
+5%
1 362
+11%
1 431
+5%
1 466
+2%
1 892
+29%
2 144
+13%
2 333
+9%
2 975
+28%
Liabilities
Accounts Payable
1
1
1
1
1
1
1
1
1
4
Accrued Liabilities
0
0
0
0
0
1
2
3
5
11
Short-Term Debt
6
16
14
15
18
11
15
17
18
18
Current Portion of Long-Term Debt
0
0
10
9
10
28
47
0
0
0
Total Deposits
774
988
1 006
1 105
1 185
1 211
1 589
1 836
1 844
2 321
Other Interest Bearing Liabilities
17
2
41
78
52
25
0
40
222
234
Total Current Liabilities
7
17
25
24
29
41
65
21
24
34
Long-Term Debt
19
24
15
14
12
22
27
17
17
70
Other Liabilities
8
13
14
12
14
13
16
17
26
37
Total Liabilities
825
N/A
1 043
+27%
1 100
+5%
1 233
+12%
1 292
+5%
1 312
+2%
1 697
+29%
1 931
+14%
2 133
+10%
2 696
+26%
Equity
Common Stock
3
4
4
4
4
4
4
4
4
5
Retained Earnings
80
86
91
90
100
111
127
146
165
173
Additional Paid In Capital
25
41
42
51
53
55
76
78
81
143
Unrealized Security Profit/Loss
3
2
1
0
1
2
6
2
32
28
Treasury Stock
8
10
13
13
14
14
15
16
17
17
Other Equity
2
2
3
3
3
3
4
2
1
3
Total Equity
101
N/A
120
+19%
123
+3%
129
+5%
139
+8%
155
+11%
194
+26%
213
+9%
200
-6%
280
+40%
Total Liabilities & Equity
925
N/A
1 163
+26%
1 223
+5%
1 362
+11%
1 431
+5%
1 466
+2%
1 892
+29%
2 144
+13%
2 333
+9%
2 975
+28%
Shares Outstanding
Common Shares Outstanding
3
4
4
4
4
4
4
4
4
5

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