CZFS - NASDAQ
Citizens Financial Services, Inc.
$62.65
-2.7%Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
At a Glance
Live SnapshotCitizens Financial Services, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Citizens Financial Services, Inc. Cash Flow Statement
CZFS • NASDAQ
| Citizens Financial Services, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
36.6M | 27.8M | 17.8M | 29.1M | 29.1M | 25.1M | 19.5M | 18M | 13M | 12.6M | 11.6M | 13.4M | 13.4M | 14.2M | 12.8M | 11.5M | 9.9M | 6.9M | 6.7M | 5.8M | |
0.0 | 1.8M | 1.5M | 1M | 1.1M | 1.1M | 1M | 387K | 200K | 320K | 464K | 472K | 428K | 420K | 469K | 457K | 654K | 641K | 865K | 1.3M | |
0.0 | 1.8M | 595K | -36K | 689K | 367K | 317K | -435K | 1.4M | 362K | -192K | 478K | 670K | -58K | 98K | -270K | 245K | -782K | 54K | 109K | |
0.0 | 412K | 309K | 336K | 614K | 473K | 369K | 308K | 278K | 284K | 179K | 200K | 218K | 201K | 209K | 205K | 115K | 49K | 0.0 | 0.0 | |
1.9M | 244K | 5.6M | 4.4M | 6.7M | -14.2M | 639K | 3.3M | 675K | 2.5M | 1.1M | 1.7M | 3.3M | 597K | 1.9M | 634K | 780K | 4M | 432K | -360K | |
(6.6M) | (2.5M) | (5.1M) | (6.6M) | (5.5M) | (4.8M) | (3.3M) | (3.1M) | (4.6M) | (2.5M) | (3.4M) | (2.8M) | (3.2M) | (4.3M) | (3.2M) | (3.6M) | (2.4M) | (2M) | (0.0) | (0.0) | |
-2M | 1.1M | 696K | -1.6M | 458K | -1.1M | -91K | -77K | 113K | 108K | -321K | -55K | -160K | -564K | 98K | 288K | -1.7M | -395K | -18K | 198K | |
36.5M | 33.2M | 26.5M | 33.2M | 38.7M | 11.8M | 21.8M | 21.5M | 15.7M | 16.2M | 12.8M | 16.2M | 17.8M | 14.8M | 15.6M | 12.8M | 9.9M | 10.4M | 8.1M | 7M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.3M | -2.6M | -1.6M | -1.1M | -942K | -483K | -500K | -208K | -587K | -776K | -1.3M | -328K | -438K | -682K | -1.3M | -1.6M | -1.1M | -462K | -930K | |
(0.0) | (7.2M) | (3.4M) | -1.1M | (0.0) | (1M) | (0.0) | (0.0) | -4.4M | (0.0) | (77.9M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -98M | -39.4M | -133.2M | -214.9M | -152.7M | -80.6M | -77.9M | -62.9M | -59M | -115.2M | -59.1M | -125.5M | -132.4M | -162.2M | -118.1M | -88M | -74M | -42.2M | -37.5M | |
0.0 | 91.3M | 138.6M | 48.8M | 89.7M | 103M | 83.9M | 91.4M | 125.7M | 91.1M | 83M | 75.5M | 105.7M | 139.1M | 100.4M | 63.1M | 64.8M | 20.4M | 32.3M | 29.1M | |
-40.1M | -68.2M | -40.5M | -275.3M | -31.9M | -61.1M | -35.2M | -85.4M | -163.6M | -102.2M | -25.9M | -23.3M | -40.8M | -14.5M | -13.6M | -17.5M | -22.1M | -14.6M | -8.4M | -32.4M | |
-40.1M | -69.1M | (59.5M) | -362.5M | -158.2M | -110.7M | -32.3M | -72.4M | -105.4M | -70.1M | (19.1M) | -8.2M | -60.9M | -8.2M | -76.1M | -73.7M | -46.9M | -69.4M | -18.7M | -41.8M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-477K | -266K | -231K | -1.2M | -1.4M | -2.1M | -1.3M | -1.5M | -979K | -3.2M | -2.5M | -984K | -1.6M | -1.5M | -1M | -395K | -286K | -271K | -547K | -1.2M | |
10.7M | -25.7M | 5.4M | 183.3M | -14.9M | -11.3M | -6.1M | -23.5M | 35M | 38M | -168K | -25.1M | 20.8M | -7.8M | -2.1M | 1.9M | -7.1M | -19.1M | 4.6M | 23.1M | |
-9.5M | -9.3M | -8.5M | -7.6M | -7.4M | -6.5M | -6.3M | -6.1M | -5.2M | -5.1M | -5.2M | -6.1M | -3.6M | -4.6M | -3.1M | -3.2M | -3M | -2.8M | -2.6M | -2.4M | |
-545K | -266K | -265K | -1.3M | -1.4M | -2.1M | -1.3M | -1.5M | -979K | -3.2M | -2.5M | -984K | -1.6M | -1.5M | -1M | -395K | -286K | -271K | (0.0) | -1.2M | |
-5M | 60.6M | -56.1M | 8.1M | 247.3M | 169M | 26M | 80.2M | 61.6M | 17.5M | -11.1M | 25.6M | 11.2M | 3.1M | 53.3M | 75.2M | 58.9M | 90.7M | 9.5M | 16.7M | |
-4.4M | 25.3M | -59.4M | 182.6M | 223.7M | 149.1M | 12.3M | 49.1M | 90.4M | 47.3M | -18.9M | -6.6M | 26.9M | -10.7M | 47M | 73.5M | 48.6M | 68.5M | 11M | 36.2M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-7.9M | -10.6M | 26.6M | -146.6M | 104.1M | 50.2M | 1.7M | -1.7M | 763K | -6.6M | 13M | 1.3M | -16.3M | -4.1M | -13.6M | 12.5M | 11.6M | 9.5M | 374K | 1.4M | |
42.2M | 52.8M | 26.2M | 172.8M | 68.7M | 18.5M | 16.8M | 18.5M | 17.8M | 24.4M | 11.4M | 10.1M | 26.3M | 30.4M | 44M | 31.4M | 19.9M | 10.4M | 10M | 8.6M | |
34.3M | 42.2M | 52.8M | 26.2M | 172.8M | 68.7M | 18.5M | 16.8M | 18.5M | 17.8M | 24.4M | 11.4M | 10.1M | 26.3M | 30.4M | 44M | 31.4M | 19.9M | 10.4M | 10M | |
35.2M | 31.9M | 23.9M | 31.6M | 37.6M | 10.9M | 21.3M | 21M | 15.5M | 15.6M | 12M | 14.9M | 17.5M | 14.4M | 14.9M | 11.5M | 8.4M | 9.3M | 7.6M | 6.1M |
SEC Filings
CZFS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 12, 2026 | April 21, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 18, 2026 | February 17, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2025 N/A | January 29, 2026 | December 31, 2025 | 2025 |
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