Citizens Financial Services, Inc.CZFSNASDAQ

Revenue (LTM)

$173M

+2.7% YoY

Net Income (LTM)

$37M

+31.5% YoY

Free Cash Flow

$33M

Revenue CAGR (5Y)

+19.3%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	86	93↑8.9%	139↑49.0%	169↑21.5%	173↑2.7%
Gross Profit	77	80↑4.3%	86↑7.7%	98↑13.7%	110↑11.8%
Operating Income	35	35↑0.5%	22↓39.4%	34↑56.6%	45↑33.9%
Net Income	29	29↓0.2%	18↓38.7%	28↑56.2%	37↑31.5%
EBITDA	36	37↑0.3%	23↓36.9%	35↑54.1%	45↑27.0%
EPS Diluted	7.09	7.10↑0.1%	3.98↓43.9%	5.79↑45.5%	7.62↑31.6%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	173	32↓81.3%	57↑76.3%	46↓19.1%	34↓25.5%
Total Current Assets	601	479↓20.3%	486↑1.3%	103↓78.7%	490↑373.4%
Total Assets	2,144	2,333↑8.8%	2,975↑27.5%	3,026↑1.7%	3,065↑1.3%
Total Current Liabilities	1,837	1,845↑0.5%	2,356↑27.7%	2,412↑2.3%	284↓88.2%
Total Liabilities	1,931	2,133↑10.5%	2,696↑26.4%	2,726↑1.1%	2,727↑0.0%
Total Equity	212	200↓5.8%	280↑39.7%	300↑7.2%	338↑12.8%
Total Debt	74	257↑247.8%	302↑17.4%	298↓1.4%	309↑3.9%
Net Debt	-96	225↑335.4%	245↑8.9%	252↑2.7%	275↑9.3%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	39	33↓14.1%	27↓20.2%	33↑25.0%	37↑10.1%
Capital Expenditure	-1	-2↓47.9%	-3↓60.2%	-1↑49.8%	-1↑1.4%
Free Cash Flow	38	32↓15.9%	24↓24.3%	32↑33.2%	33↑3.0%
Stock-Based Comp	1	0↓45.3%	0↓8.0%	0↑33.3%	0
Net Change in Cash	104	-147↓240.8%	27↑118.1%	-11↓139.9%	-8↑25.5%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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