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CITIZENS FINANCI (CZFS)
NASDAQ
$69.15+$1.70 (+2.53%)
Price as of Jun 23, 2026 4:10 PM EDT- $324.0MMarket Cap
- 21.93%1-Year Change
- Banks - RegionalIndustry
CITIZENS FINANCI (CZFS)
$69.15+$1.70 (+2.53%)
Annual
Quarterly
12/31/2025 | 12/31/2024 | 12/31/2023 | 12/31/2022 | ||
|---|---|---|---|---|---|
Income Statement | |||||
Total Operating Revenue | 98.0M +13.35% | 86.5M +7.72% | 80.3M +11.27% | 72.1M +9.11% | |
Cost of Revenue | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Gross Profit | 98.0M +13.35% | 86.5M +7.72% | 80.3M +11.27% | 72.1M +9.11% | |
Sales and Marketing Expense | 1.1M -5.43% | 1.2M +23.74% | 952,000 -1.86% | 970,000 +110.87% | |
Research and Development Expense | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Depreciation and Amortization Expense | 2.1M +16.50% | 1.8M +18.82% | 1.5M +47.14% | 1.0M -7.19% | |
Total Operating Expenses | 64.7M -1.30% | 65.6M +1.18% | 64.8M +45.04% | 44.7M +7.57% | |
Operating Profit | 45.2M +34.31% | 33.7M +56.56% | 21.5M -39.39% | 35.5M +0.50% | |
Interest Income | 159.2M +3.14% | 154.3M +21.40% | 127.1M +52.50% | 83.4M +13.85% | |
Interest Expense | N/A N/A | N/A N/A | -46.9M +317.52% | -11.2M +57.96% | |
Interest Income and Expense and Net | 159.2M +3.14% | 154.3M +92.27% | 80.3M +11.27% | 72.1M +9.11% | |
Total Nonoperating Income and Expense | 98.0M +13.35% | 86.5M +7.72% | 80.3M +11.27% | 72.1M +9.11% | |
Income before Taxes | 45.2M +34.31% | 33.7M +56.56% | 21.5M -39.39% | 35.5M +0.50% | |
Income Taxes | 8.7M +47.76% | 5.9M +58.34% | 3.7M -42.44% | 6.4M +3.81% | |
Extraordinary Items | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Net Income | 36.6M +31.47% | 27.8M +56.18% | 17.8M -38.71% | 29.1M -0.20% | |
Net Income from Continuing Operations Applicable to Common | 45.2M +34.31% | 33.7M +56.56% | 21.5M -39.39% | 35.5M +0.50% | |
Basic EPS and Net Income | 7.62 +30.03% | 5.86 +44.33% | 4.06 -44.54% | 7.32 -0.81% | |
Diluted EPS and Net Income | 7.62 +30.26% | 5.85 +44.09% | 4.06 -44.54% | 7.32 -0.81% | |
Basic Weighted Average Shares | 4.8M +1.00% | 4.8M +8.39% | 4.4M +10.40% | 4.0M +0.62% | |
Diluted Weighted Average Shares | 4.8M +0.95% | 4.8M +8.50% | 4.4M +10.40% | 4.0M +0.62% | |
Balance Sheet | |||||
Cash and Cash Equivalents | 34.3M -18.75% | 42.2M -20.10% | 52.8M +101.51% | 26.2M -84.83% | |
Short-Term Investments | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Cash and Cash Equivalents and Short-Term Investments | 34.3M -18.75% | 42.2M -20.10% | 52.8M +101.51% | 26.2M -84.83% | |
Total Current Assets | 53.1M -2.72% | 54.6M -7.52% | 59.1M +128.95% | 25.8M +13.21% | |
Accumulated Depreciation | 19.2M +3.07% | 18.7M +4.78% | 17.8M +6.67% | 16.7M +5.20% | |
Property and Plant and Equipment and Net | 21.0M -1.86% | 21.4M +0.05% | 21.4M +21.37% | 17.6M +3.54% | |
Total Long-Term Assets | 53.1M -2.72% | 54.6M -7.52% | 59.1M +128.95% | 25.8M +13.21% | |
Total Assets | 3.1B +1.28% | 3.0B +1.69% | 3.0B +27.51% | 2.3B +8.84% | |
Income Taxes Payable | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Total Short-Term Debt | 309.4M +3.94% | 297.7M -7.55% | 322.0M +25.17% | 257.3M +247.78% | |
Total Current Liabilities | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Total Long-Term Debt | 309.4M +3.94% | 297.7M -7.55% | 322.0M +25.17% | 257.3M +247.78% | |
Total Long-Term Liabilities | 4.1M -29.52% | 5.8M -26.57% | 7.9M -18.55% | 9.7M +197.80% | |
Total Liabilities | 2.7B +0.02% | 2.7B +1.13% | 2.7B +26.36% | 2.1B +10.45% | |
Retained Earnings | 213.6M +12.76% | 189.4M +9.52% | 173.0M +4.88% | 164.9M +12.95% | |
Total Stockholders Equity | 338.1M +12.78% | 299.7M +7.18% | 279.7M +39.73% | 200.1M -5.81% | |
Total Shares Outstanding | 5.3M +0.93% | 5.2M +0.91% | 5.2M +16.56% | 4.4M +0.88% | |
Cash Flow | |||||
Cash from Operating Activities | 36.5M +10.10% | 33.2M +25.04% | 26.5M -20.17% | 33.2M -14.09% | |
Capital Expenditures | 1.3M -1.37% | 1.3M -49.79% | 2.6M +60.16% | 1.6M +47.87% | |
Cash from Investing Activities | -40.1M -41.98% | -69.1M -216.16% | 59.5M +116.41% | -362.5M +129.06% | |
Dividends Paid | 9.5M +2.64% | 9.3M +9.40% | 8.5M +12.06% | 7.6M +2.78% | |
Cash from Financing Activities | -4.4M -117.29% | 25.3M +142.55% | -59.4M -132.53% | 182.6M -18.36% | |
Financials Ratio | |||||
Gross Margin | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Operating Margin | 46.16% +18.48% | 38.96% +45.34% | 26.81% -45.52% | 49.21% -7.89% | |
Return on Assets | 1.20% +29.54% | 0.93% +38.17% | 0.67% -48.31% | 1.30% -10.05% | |
Return on Equity | 11.47% +19.43% | 9.60% +29.34% | 7.42% -47.29% | 14.09% -1.62% | |
Revenue Growth | 13.35% +73.02% | 7.72% -31.48% | 11.27% +23.67% | 9.11% -98.98% | |
Current Ratio | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Cash Ratio | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Debt-to-Equity Ratio | 1.83 -7.84% | 1.99 -13.74% | 2.30 -10.42% | 2.57 +269.22% | |
Debt-to-Assets Ratio | 0.20 +2.64% | 0.20 -9.10% | 0.22 -1.81% | 0.22 +219.57% | |
Earnings & Revenue History
Debt-to-Assets
Cash Flow