Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | $6.51M | $6.93M | $6.66M | $7.74M | $8.59M | $8.97M | $9.61M | $9.88M |
| Revenue growth | — | — | — | 6.4% | -3.8% | 16.2% | 11.0% | 4.5% | 7.1% | 2.8% |
| Net income | $12.6M | $13.0M | $18.0M | $19.5M | $25.1M | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M |
| Net margin | — | — | 276.9% | 281.4% | 376.9% | 376.3% | 338.4% | 198.5% | 289.5% | 370.1% |
| EPS (diluted) | $3.57 | $3.67 | $5.04 | $5.41 | $6.46 | $7.24 | $7.17 | $3.98 | $5.79 | $7.62 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $16.2M | $15.7M | $21.5M | $21.8M | $11.8M | $38.7M | $33.2M | $26.5M | $33.2M | $36.5M |
| Capital expenditures | $587K | $208K | $500K | $483K | $942K | $1.10M | $1.63M | $2.62M | $1.31M | $1.30M |
| Free cash flow | $15.6M | $15.5M | $21.0M | $21.3M | $10.9M | $37.6M | $31.6M | $23.9M | $31.9M | $35.2M |
| Share buybacks | $3.23M | $979K | $1.18M | $1.29M | $2.12M | $1.37M | $1.28M | $265K | $202K | $358K |
| Dividends paid | $5.08M | $5.18M | $6.12M | $6.32M | $6.54M | $7.38M | $7.59M | $8.50M | $9.30M | $9.55M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $17.8M | $18.5M | $16.8M | $18.5M | $68.7M | $173M | $26.2M | $52.8M | $42.2M | $34.3M |
| Total assets | $1.22B | $1.36B | $1.43B | $1.47B | $1.89B | $2.14B | $2.33B | $2.98B | $3.03B | $3.06B |
| Total liabilities | $1.10B | $1.23B | $1.29B | $1.31B | $1.70B | $1.93B | $2.13B | $2.70B | $2.73B | $2.73B |
| Shareholders' equity | $123M | $129M | $139M | $155M | $194M | $212M | $200M | $280M | $300M | $338M |
| Retained earnings | $91.3M | $90.0M | $99.7M | $111M | $127M | $146M | $165M | $173M | $189M | $214M |
| Shares (wtd avg diluted) | 3.54M | 3.55M | 3.58M | 3.60M | 3.88M | 4.02M | 4.06M | 4.48M | 4.80M | 4.80M |
Every figure is extracted from CITIZENS FINANCIAL SERVICES INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.