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    CZFS

    CITIZENS FINANCIAL SERVICES INC

    Company overview

    Market capitalization
    $386.90M
    Employees
    386
    Latest publication
    2026-09-29
    About CITIZENS FINANCIAL SERVICES INC

    Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including 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 provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Total Revenue43,771,000USD44,480,000USD44,108,000USD42,414,000USD42,441,000USD43,132,000USD42,444,000USD41,238,000USD
    Cost Of Revenue14,664,000USD15,440,000USD15,614,000USD15,851,000USD16,637,000USD16,920,000USD17,165,000USD18,604,000USD
    Gross Profit29,107,000USD29,040,000USD28,494,000USD26,563,000USD25,804,000USD26,212,000USD25,279,000USD22,634,000USD
    Selling General Administrative540,000USD11,007,000USD18,901,000USD9,697,000USD10,739,000USD10,132,000USD10,270,000USD10,126,000USD
    Unclassified Operating Expenses15,865,000USD5,097,000USD-2,767,000USD6,450,000USD5,689,000USD6,536,000USD5,759,000USD6,120,000USD
    Total Operating Expenses16,405,000USD16,104,000USD16,134,000USD16,147,000USD16,428,000USD16,668,000USD16,029,000USD16,246,000USD
    Operating Income12,702,000USD12,936,000USD12,360,000USD10,416,000USD9,376,000USD9,544,000USD9,250,000USD6,388,000USD
    Interest Income39,855,000USD40,727,000USD39,816,000USD38,340,000USD38,585,000USD39,422,000USD38,301,000USD37,512,000USD
    Interest Expense14,164,000USD14,940,000USD15,114,000USD15,101,000USD16,012,000USD16,920,000USD17,365,000USD16,602,000USD
    Net Interest Income25,691,000USD25,787,000USD24,702,000USD23,239,000USD22,573,000USD22,502,000USD20,936,000USD20,910,000USD
    Income Before Tax12,702,000USD12,936,000USD12,360,000USD10,416,000USD9,376,000USD9,544,000USD9,250,000USD6,388,000USD
    Income Tax Expense2,326,000USD2,453,000USD2,355,000USD1,953,000USD1,755,000USD1,561,000USD1,714,000USD1,113,000USD
    Tax Provision2,326,000USD2,603,000USD2,355,000USD1,953,000USD1,755,000USD1,561,000USD1,714,000USD1,113,000USD
    Net Income10,376,000USD10,483,000USD10,005,000USD8,463,000USD7,621,000USD7,983,000USD7,536,000USD5,275,000USD
    Net Income From Continuing Ops10,376,000USD10,483,000USD10,005,000USD8,463,000USD7,621,000USD7,983,000USD7,536,000USD5,275,000USD
    Ebit12,702,000USD12,936,000USD12,360,000USD10,416,000USD9,376,000USD9,544,000USD9,250,000USD6,388,000USD
    Ebitda13,172,000USD13,626,000USD11,439,000USD10,888,000USD9,825,000USD9,969,000USD9,673,000USD6,847,000USD
    Depreciation And Amortization470,000USD690,000USD-921,000USD472,000USD449,000USD425,000USD423,000USD459,000USD
    Reconciled Depreciation470,000USD690,000USD493,000USD472,000USD449,000USD425,000USD423,000USD459,000USD
    Total Other Income Expense Net——32,152,000USD19,792,000USD—-425,000USD—-3,876,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Revenue173,244,999USD168,616,000USD138,723,000USD93,095,000USD85,522,000USD81,718,000USD70,366,000USD64,493,000USD
    Cost Of Revenue63,542,000USD70,449,000USD52,386,000USD12,906,000USD8,655,000USD10,505,000USD13,715,000USD11,499,000USD
    Gross Profit109,702,999USD98,167,000USD86,337,000USD80,189,000USD76,867,000USD71,213,000USD56,651,000USD52,994,000USD
    Selling General Administrative45,910,000USD41,343,000USD36,465,000USD28,513,000USD26,424,000USD24,666,000USD20,531,000USD19,511,000USD
    Unclassified Operating Expenses18,704,999USD23,141,000USD28,357,000USD16,181,000USD15,126,000USD15,026,000USD12,810,000USD12,046,000USD
    Total Operating Expenses64,614,999USD64,484,000USD64,822,000USD44,694,000USD41,550,000USD40,847,000USD33,341,000USD31,557,000USD
    Operating Income45,088,000USD33,683,000USD21,515,000USD35,495,000USD35,317,000USD30,366,000USD23,310,000USD21,437,000USD
    Interest Income157,468,000USD152,767,000USD125,711,000USD82,734,000USD72,839,000USD69,898,000USD61,483,000USD56,311,000USD
    Interest Expense61,167,000USD67,862,000USD46,858,000USD11,223,000USD7,105,000USD8,105,000USD12,040,000USD9,574,000USD
    Net Interest Income96,301,000USD84,905,000USD78,853,000USD71,511,000USD65,734,000USD61,793,000USD49,443,000USD46,737,000USD
    Income Before Tax45,088,000USD33,683,000USD21,515,000USD35,495,000USD35,317,000USD30,366,000USD23,310,000USD21,437,000USD
    Income Tax Expense8,516,000USD5,865,000USD3,704,000USD6,435,000USD6,199,000USD5,263,000USD3,820,000USD3,403,000USD
    Tax Provision8,666,000USD5,865,000USD3,704,000USD6,435,000USD6,199,000USD5,263,000USD3,820,000USD3,403,000USD
    Net Income36,572,000USD27,818,000USD17,811,000USD29,060,000USD29,118,000USD25,103,000USD19,490,000USD18,034,000USD
    Net Income From Continuing Ops36,572,000USD27,818,000USD17,811,000USD29,060,000USD29,118,000USD25,103,000USD19,490,000USD18,034,000USD
    Ebitda45,088,000USD35,489,000USD23,035,000USD36,528,000USD36,430,000USD31,504,000USD24,353,000USD21,824,000USD
    Reconciled Depreciation2,104,000USD1,806,000USD1,520,000USD156,000USD192,000USD-2,822,000USD498,000USD387,000USD
    Ebit—33,683,000USD21,515,000USD35,495,000USD35,317,000USD30,366,000USD23,310,000USD21,437,000USD
    Depreciation And Amortization—1,806,000USD1,520,000USD1,033,000USD1,113,000USD1,138,000USD1,043,000USD387,000USD
    Total Other Income Expense Net—-118,035,000USD-21,141,000USD-12,100,000USD35,317,000USD-10,563,000USD-466,000USD-9,574,000USD
    Net Income Applicable To Common Shares———29,060,000USD29,118,000USD25,103,000USD19,490,000USD18,034,000USD
    Selling And Marketing Expenses—————1,155,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Total Assets3,026,478,000USD3,064,564,000USD3,056,421,000USD2,967,274,000USD3,016,338,000USD3,025,724,000USD3,026,468,000USD2,947,531,000USD
    Intangible Assets2,073,000USD2,221,000USD2,374,000USD2,530,000USD2,707,000USD2,892,000USD3,083,000USD3,244,000USD
    Total Liab2,682,900,000USD2,726,513,000USD2,728,739,000USD2,653,621,000USD2,708,042,000USD2,725,990,000USD2,727,814,000USD2,661,061,000USD
    Total Stockholder Equity343,578,000USD338,051,000USD327,682,000USD313,653,000USD308,296,000USD299,734,000USD298,654,000USD286,470,000USD
    Other Current Liab2,441,185,000USD2,376,979,000USD2,411,203,000USD2,292,662,000USD2,364,854,000USD2,382,028,000USD2,450,149,000USD2,273,095,000USD
    Common Stock5,256,000USD5,256,000USD5,255,000USD5,255,000USD5,208,000USD5,208,000USD5,207,000USD5,207,000USD
    Capital Stock5,256,000USD5,256,000USD5,255,000USD5,255,000USD5,208,000USD5,208,000USD5,207,000USD5,207,000USD
    Retained Earnings221,597,000USD213,623,000USD205,542,000USD197,940,000USD194,709,000USD189,443,000USD183,792,000USD178,588,000USD
    Good Will85,758,000USD85,758,000USD85,758,000USD85,758,000USD85,758,000USD85,758,000USD85,758,000USD85,758,000USD
    Other Assets2,413,360,000USD2,454,417,000USD2,440,643,000USD2,351,561,000USD—3,025,724,000USD2,444,258,000USD—
    Cash36,925,000USD38,111,000USD34,895,000USD53,304,000USD40,606,000USD46,022,000USD40,583,000USD42,253,000USD
    Cash And Short Term Investments133,911,000USD74,165,000USD107,652,000USD116,753,000USD85,407,000USD93,139,000USD459,773,000USD444,914,000USD
    Total Current Assets144,852,000USD84,863,000USD119,064,000USD127,356,000USD96,325,000USD103,446,000USD470,576,000USD455,696,000USD
    Total Current Liabilities2,444,933,000USD2,395,606,000USD2,414,957,000USD2,295,403,000USD2,367,997,000USD2,411,631,000USD2,455,698,000USD2,278,577,000USD
    Net Debt161,813,000USD271,337,000USD244,694,000USD259,915,000USD261,421,000USD251,699,000USD191,149,000USD292,576,000USD
    Short Long Term Debt Total198,738,000USD309,448,000USD279,589,000USD313,219,000USD302,027,000USD297,721,000USD231,732,000USD334,829,000USD
    Long Term Debt198,738,000USD293,951,000USD279,589,000USD313,219,000USD302,027,000USD272,811,000USD231,732,000USD334,829,000USD
    Long Term Investments98,820,000USD446,556,000USD74,560,000USD65,217,000USD432,438,000USD427,659,000USD420,920,000USD404,231,000USD
    Short Term Investments96,986,000USD36,054,000USD72,757,000USD63,449,000USD44,801,000USD47,117,000USD419,190,000USD402,661,000USD
    Net Receivables10,941,000USD10,698,000USD11,412,000USD10,603,000USD10,918,000USD10,307,000USD10,803,000USD10,782,000USD
    Accounts Payable3,748,000USD3,130,000USD3,754,000USD2,741,000USD3,143,000USD4,693,000USD5,549,000USD5,482,000USD
    Property Plant Equipment Net20,715,000USD20,998,000USD21,508,000USD21,776,000USD21,627,000USD31,361,000USD21,237,000USD20,899,000USD
    Accumulated Other Comprehensive Income-14,682,000USD-12,377,000USD-14,650,000USD-21,026,000USD-20,239,000USD-23,521,000USD-18,916,000USD-25,932,000USD
    Common Stock Shares Outstanding4,799,078shares4,798,194shares4,799,466shares4,800,862shares4,751,943shares4,752,505shares4,751,224shares4,849,246shares
    Non Current Assets Total2,881,626,000USD2,979,701,000USD2,937,357,000USD2,839,918,000USD2,920,013,000USD2,922,278,000USD2,555,892,000USD2,491,835,000USD
    Non Current Liabilities Total237,967,000USD330,907,000USD313,782,000USD358,218,000USD340,045,000USD314,359,000USD272,116,000USD382,484,000USD
    Non Currrent Assets Other470,700,000USD104,646,000USD479,691,000USD470,726,000USD77,011,000USD86,196,000USD97,815,000USD102,922,000USD
    Unclassified Non Current Assets-209,800,000USD-134,895,000USD-167,177,000USD-157,650,000USD2,300,472,000USD-737,312,000USD-517,179,000USD1,874,781,000USD
    Unclassified Non Current Liabilities39,229,000USD36,956,000USD34,193,000USD44,999,000USD38,018,000USD41,548,000USD40,384,000USD47,655,000USD
    Unclassified Equity126,151,000USD126,293,000USD126,280,000USD126,229,000USD123,410,000USD123,396,000USD123,364,000USD123,400,000USD
    Short Term Debt—15,497,000USD———24,910,000USD——
    Short Long Term Debt—0USD———7,572,000USD——
    Property Plant Equipment Gross—40,247,000USD———40,070,000USD——
    Other Current Assets—————-10,307,000USD3,820,000USD55,725,000USD
    Inventory——————-466,756,000USD-49,215,000USD
    Unclassified Current Assets———————-55,725,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets3,064,564,000USD3,025,724,000USD2,975,321,000USD2,333,393,000USD2,143,863,000USD1,891,674,000USD1,466,339,000USD1,430,712,000USD
    Intangible Assets2,221,000USD2,892,000USD3,650,000USD1,272,000USD1,627,000USD1,668,000USD1,346,000USD1,623,000USD
    Total Liab2,726,513,000USD2,725,990,000USD2,695,655,000USD2,133,246,000USD1,931,371,000USD1,697,415,000USD1,311,565,000USD1,291,483,000USD
    Total Stockholder Equity338,051,000USD299,734,000USD279,666,000USD200,147,000USD212,492,000USD194,259,000USD154,774,000USD139,229,000USD
    Other Current Liab2,376,979,000USD2,382,028,000USD2,321,481,000USD1,844,208,000USD1,836,151,000USD1,526,576,000USD1,211,118,000USD1,185,156,000USD
    Common Stock5,256,000USD5,208,000USD5,161,000USD4,428,000USD4,389,000USD4,350,000USD3,939,000USD3,904,000USD
    Capital Stock5,256,000USD5,208,000USD5,161,000USD4,428,000USD4,389,000USD4,350,000USD3,939,000USD3,904,000USD
    Retained Earnings213,623,000USD189,443,000USD172,975,000USD164,922,000USD146,010,000USD126,627,000USD110,800,000USD99,727,000USD
    Good Will85,758,000USD85,758,000USD85,758,000USD31,376,000USD31,376,000USD31,376,000USD23,296,000USD23,296,000USD
    Other Assets2,454,417,000USD2,422,059,000USD6,381,000USD1,368,363,000USD1,088,702,000USD1,174,668,000USD920,576,000USD-4,452,000USD
    Cash38,111,000USD46,022,000USD56,888,000USD32,266,000USD183,859,000USD82,465,000USD32,776,000USD32,295,000USD
    Cash And Short Term Investments74,165,000USD93,139,000USD474,489,000USD471,772,000USD596,261,000USD377,654,000USD273,482,000USD273,305,000USD
    Total Current Assets84,863,000USD103,446,000USD485,532,000USD479,104,000USD601,496,000USD383,652,000USD278,037,000USD277,757,000USD
    Total Current Liabilities2,395,606,000USD2,411,631,000USD2,356,394,000USD1,845,440,000USD1,836,862,000USD1,589,875,000USD1,212,206,000USD1,186,232,000USD
    Net Debt271,337,000USD251,699,000USD245,148,000USD225,012,000USD-109,882,000USD6,373,000USD52,341,000USD58,899,000USD
    Short Term Debt15,497,000USD24,910,000USD30,615,000USD230,733,000USD47,270,000USD62,282,000USD56,371,000USD71,046,000USD
    Short Long Term Debt0USD7,572,000USD12,572,000USD———38,798,000USD9,500,000USD
    Short Long Term Debt Total309,448,000USD297,721,000USD302,036,000USD257,278,000USD73,977,000USD88,838,000USD85,117,000USD91,194,000USD
    Long Term Debt293,951,000USD272,811,000USD322,036,000USD257,278,000USD73,977,000USD88,838,000USD85,117,000USD91,194,000USD
    Long Term Investments446,556,000USD427,659,000USD419,539,000USD441,714,000USD1,841,185,000USD1,699,295,000USD241,407,000USD241,526,000USD
    Short Term Investments36,054,000USD47,117,000USD417,601,000USD439,506,000USD412,402,000USD295,189,000USD240,706,000USD241,010,000USD
    Net Receivables10,698,000USD10,307,000USD11,043,000USD7,332,000USD5,235,000USD5,998,000USD4,555,000USD4,452,000USD
    Accounts Payable3,130,000USD4,693,000USD4,298,000USD1,232,000USD711,000USD1,017,000USD1,088,000USD1,076,000USD
    Property Plant Equipment Net20,998,000USD21,395,000USD21,384,000USD17,619,000USD17,016,000USD16,948,000USD15,933,000USD16,273,000USD
    Property Plant Equipment Gross40,247,000USD40,070,000USD39,207,000USD34,327,000USD32,898,000USD31,951,000USD30,053,000USD—
    Accumulated Other Comprehensive Income-12,377,000USD-23,521,000USD-24,911,000USD-33,141,000USD-155,000USD2,587,000USD-629,000USD-3,921,000USD
    Common Stock Shares Outstanding4,800,093shares4,755,000shares4,426,000shares4,049,000shares4,065,000shares3,962,000shares3,703,000shares3,723,000shares
    Non Current Assets Total2,979,701,000USD2,922,278,000USD2,489,789,000USD1,854,289,000USD1,542,367,000USD1,508,022,000USD1,188,302,000USD1,152,955,000USD
    Non Current Liabilities Total330,907,000USD314,359,000USD339,261,000USD287,806,000USD94,509,000USD107,540,000USD99,359,000USD105,251,000USD
    Non Currrent Assets Other104,646,000USD104,972,000USD108,971,000USD65,157,000USD53,202,000USD51,993,000USD44,487,000USD41,121,000USD
    Unclassified Non Current Assets-134,895,000USD-142,457,000USD1,844,106,000USD-71,212,000USD-1,490,741,000USD-1,467,926,000USD-58,743,000USD829,116,000USD
    Unclassified Non Current Liabilities36,956,000USD41,548,000USD17,225,000USD-5,443,000USD-20,532,000USD-18,702,000USD-12,389,000USD—
    Unclassified Equity126,293,000USD123,396,000USD121,280,000USD76,483,000USD74,006,000USD71,558,000USD51,150,000USD35,615,000USD
    Other Current Assets——4,070,000USD40,141,000USD190,274,000USD90,299,000USD43,789,000USD870,237,000USD
    Current Deferred Revenue——-4,298,001USD-229,501,000USD-46,559,000USD-61,265,000USD-55,283,000USD-753,474,000USD
    Inventory——26,690,000USD-40,141,000USD-190,274,000USD-90,299,000USD-43,789,000USD-1,143,542,000USD
    Unclassified Current Assets——-30,760,000USD-40,141,000USD-190,274,000USD-90,299,000USD-43,789,000USD-870,237,000USD
    Other Liab———15,169,000USD20,532,000USD18,702,000USD12,389,000USD13,353,000USD
    Treasury Stock———-16,973,000USD-16,147,000USD-15,213,000USD-14,425,000USD—
    Non Current Liabilities Other———20,802,000USD20,532,000USD18,702,000USD14,242,000USD—
    Net Tangible Assets———167,499,000USD179,489,000USD161,215,000USD130,773,000USD114,969,000USD
    Unclassified Current Liabilities———-230,733,000USD-47,270,000USD—-95,169,000USD-80,546,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income10,376,000USD10,483,000USD10,005,000USD8,463,000USD7,621,000USD7,983,000USD7,536,000USD5,275,000USD
    Depreciation-414,000USD690,000USD-2,198,000USD472,000USD449,000USD425,000USD423,000USD459,000USD
    Other Non Cash Items7,868,000USD5,217,000USD-7,104,000USD-3,597,000USD5,146,000USD1,960,000USD-2,655,000USD-4,189,000USD
    Change To Account Receivables-243,000USD714,000USD296,000USD316,000USD-612,000USD496,000USD-21,000USD-185,000USD
    Change In Working Capital375,000USD90,000USD2,248,000USD-86,000USD-2,162,000USD-360,000USD46,000USD1,174,000USD
    Total Cash From Operating Activities18,018,000USD16,730,000USD2,875,000USD5,984,000USD10,945,000USD10,483,000USD6,221,000USD3,022,000USD
    Capital Expenditures-125,000USD-71,000USD1,080,000USD-495,000USD-585,000USD-462,000USD-626,000USD-127,000USD
    Free Cash Flow17,893,000USD16,659,000USD3,955,000USD5,489,000USD10,360,000USD10,021,000USD5,595,000USD2,895,000USD
    Investments-981,000USD7,600,000USD-103,543,000USD70,694,000USD-728,000USD-175,000USD-79,041,000USD-12,968,000USD
    Total Cashflows From Investing Activities29,941,000USD-6,499,000USD-103,543,000USD70,694,000USD-728,000USD-175,000USD-79,041,000USD-12,968,000USD
    Net Borrowings-110,807,000USD29,763,000USD-33,818,000USD10,822,000USD3,938,000USD65,630,000USD-103,450,000USD—
    Total Cash From Financing Activities-49,145,000USD-7,015,000USD82,259,000USD-63,980,000USD-15,633,000USD-4,869,000USD71,150,000USD18,760,000USD
    Dividends Paid-2,402,000USD-2,402,000USD-2,403,000USD-2,388,000USD-2,355,000USD-2,332,000USD-2,331,000USD-2,333,000USD
    Sale Purchase Of Stock-158,000USD-172,000USD-77,000USD-239,000USD-57,000USD-62,000USD-123,000USD-36,000USD
    Change In Cash-1,186,000USD3,216,000USD-18,409,000USD12,698,000USD-5,416,000USD5,439,000USD-1,670,000USD8,814,000USD
    Begin Period Cash Flow34,291,000USD31,075,000USD49,484,000USD36,786,000USD42,202,000USD36,763,000USD38,433,000USD29,619,000USD
    End Period Cash Flow33,105,000USD34,291,000USD31,075,000USD49,484,000USD36,786,000USD42,202,000USD36,763,000USD38,433,000USD
    Other Cashflows From Investing Activities23,623,000USD-14,028,000USD-38,764,000USD74,796,000USD-1,205,000USD18,174,000USD-74,664,000USD-17,643,000USD
    Other Cashflows From Financing Activities64,206,000USD-34,224,000USD118,541,000USD-72,175,000USD-17,159,000USD-68,105,000USD177,054,000USD-29,786,000USD
    Unclassified Investing Cash Flow7,424,000USD—37,684,000USD-74,301,000USD1,790,000USD-17,712,000USD75,290,000USD17,770,000USD
    Issuance Of Capital Stock—————0USD——
    Stock Based Compensation——————-122,000USD57,000USD
    Unclassified Financing Cash Flow———————50,915,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income36,572,000USD27,818,000USD17,811,000USD29,060,000USD29,118,000USD25,103,000USD19,490,000USD18,034,000USD
    Depreciation2,104,000USD1,806,000USD1,520,000USD1,033,000USD1,113,000USD-2,822,000USD498,000USD387,000USD
    Stock Based Compensation625,000USD412,000USD309,000USD336,000USD614,000USD473,000USD369,000USD308,000USD
    Other Non Cash Items-1,610,000USD244,000USD5,606,000USD4,423,000USD6,701,000USD-10,207,000USD1,184,000USD3,269,000USD
    Change To Account Receivables-391,000USD736,000USD-1,485,000USD-2,097,000USD764,000USD-857,000USD-103,000USD-256,000USD
    Change In Working Capital-1,954,000USD1,131,000USD696,000USD-1,576,000USD458,000USD-1,092,000USD-91,000USD-77,000USD
    Total Cash From Operating Activities36,534,000USD33,182,000USD26,537,000USD33,240,000USD38,693,000USD11,822,000USD21,767,000USD21,486,000USD
    Capital Expenditures-1,296,000USD-1,314,000USD-2,617,000USD-1,634,000USD-1,105,000USD-942,000USD-483,000USD-500,000USD
    Free Cash Flow35,238,000USD31,868,000USD23,920,000USD31,606,000USD37,588,000USD10,880,000USD21,284,000USD20,986,000USD
    Investments-5,821,000USD-69,073,000USD59,465,000USD-363,055,000USD-157,310,000USD-113,117,000USD-34,145,000USD-66,336,000USD
    Total Cashflows From Investing Activities-40,076,000USD-69,073,000USD59,465,000USD-362,452,000USD-158,232,000USD-110,734,000USD-32,323,000USD-72,351,000USD
    Net Borrowings10,705,000USD-25,721,000USD5,431,000USD183,288,000USD-14,871,000USD-11,280,000USD-6,077,000USD-23,470,000USD
    Total Cash From Financing Activities-4,369,000USD25,275,000USD-59,395,000USD182,590,000USD223,665,000USD149,099,000USD12,279,000USD49,145,000USD
    Dividends Paid-9,548,000USD-9,302,000USD-8,503,000USD-7,588,000USD-7,383,000USD-6,539,000USD-6,315,000USD-6,116,000USD
    Sale Purchase Of Stock-545,000USD-266,000USD-265,000USD-1,279,000USD-1,374,000USD-2,122,000USD-1,291,000USD-1,482,000USD
    Issuance Of Capital Stock0USD0USD34,000USD112,000USD—126,000USD0USD0USD
    Change In Cash-7,911,000USD-10,616,000USD26,607,000USD-146,622,000USD104,126,000USD50,187,000USD1,723,000USD-1,720,000USD
    Begin Period Cash Flow42,202,000USD52,818,000USD26,211,000USD172,833,000USD68,707,000USD18,520,000USD16,797,000USD18,517,000USD
    End Period Cash Flow34,291,000USD42,202,000USD52,818,000USD26,211,000USD172,833,000USD68,707,000USD18,520,000USD16,797,000USD
    Other Cashflows From Investing Activities-32,959,000USD-68,187,000USD-40,533,000USD2,237,000USD183,000USD3,325,000USD2,305,000USD-85,389,000USD
    Other Cashflows From Financing Activities-5,049,000USD60,564,000USD-56,092,000USD188,412,000USD254,233,000USD172,634,000USD12,221,000USD80,213,000USD
    Unclassified Operating Cash Flow—1,771,000USD——————
    Unclassified Investing Cash Flow—69,501,000USD43,150,000USD————79,874,000USD
    Change To Liabilities———521,000USD-306,000USD-235,000USD12,000USD179,000USD
    Cash And Cash Equivalents Changes———-146,622,000USD104,126,000USD50,187,000USD1,723,000USD-1,720,000USD
    Unclassified Financing Cash Flow———-180,243,000USD-6,940,000USD-3,594,000USD13,741,000USD—
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    FY 2020Yearly · 2020-12-31ProductBrokerage And Insurance1,297,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductFinancial Service Other339,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductService Charges On Deposit Accounts — Automated Teller Machine Income323,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductService Charges On Deposit Accounts — Interchange Revenue2,287,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductService Charges On Deposit Accounts — Overdraft Fees1,171,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductService Charges On Deposit Accounts — Statement Fees207,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductService Charges On Deposit Accounts Other233,000USD0001140361-21-008169
    FY 2020Yearly · 2020-12-31ProductTrust Fees803,000USD0001140361-21-008169
    Q2 2020Quarterly · 2020-06-30ProductBrokerage And Insurance249,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductFinancial Service Other138,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductService Charges On Deposit Accounts — Automated Teller Machine Income59,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductService Charges On Deposit Accounts — Interchange Revenue555,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductService Charges On Deposit Accounts — Overdraft Fees206,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductService Charges On Deposit Accounts — Statement Fees50,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductService Charges On Deposit Accounts Other44,000USD0001140361-20-017629
    Q2 2020Quarterly · 2020-06-30ProductTrust Fees145,000USD0001140361-20-017629
    FY 2019Yearly · 2019-12-31ProductBrokerage And Insurance1,141,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductFinancial Service Other348,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductService Charges On Deposit Accounts — Automated Teller Machine Income392,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductService Charges On Deposit Accounts — Interchange Revenue2,294,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductService Charges On Deposit Accounts — Overdraft Fees1,536,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductService Charges On Deposit Accounts — Statement Fees206,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductService Charges On Deposit Accounts Other259,000USD0001140361-21-008169
    FY 2019Yearly · 2019-12-31ProductTrust Fees750,000USD0001140361-21-008169
    Q3 2019Quarterly · 2019-09-30ProductBrokerage And Insurance289,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductFinancial Service Other80,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductService Charges On Deposit Accounts — Automated Teller Machine Income108,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductService Charges On Deposit Accounts — Interchange Revenue589,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductService Charges On Deposit Accounts — Overdraft Fees405,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductService Charges On Deposit Accounts — Statement Fees52,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductService Charges On Deposit Accounts Other71,000USD0001140361-20-024611
    Q3 2019Quarterly · 2019-09-30ProductTrust Fees148,000USD0001140361-20-024611
    Q2 2019Quarterly · 2019-06-30ProductFinancial Service Other76,000USD0001140361-20-017629
    Q2 2019Quarterly · 2019-06-30ProductOverdraft Fees — Automated Teller Machine Income101,000USD0001140361-20-017629
    Q2 2019Quarterly · 2019-06-30ProductOverdraft Fees — Service Charges On Deposit Accounts Other428,000USD0001140361-20-017629
    Q2 2019Quarterly · 2019-06-30ProductService Charges On Deposit Accounts — Brokerage And Insurance261,000USD0001140361-20-017629
    Q2 2019Quarterly · 2019-06-30ProductService Charges On Deposit Accounts — Interchange Revenue595,000USD0001140361-20-017629
    Q2 2019Quarterly · 2019-06-30ProductService Charges On Deposit Accounts — Statement Fees50,000USD0001140361-20-017629
    Q2 2019Quarterly · 2019-06-30ProductService Charges On Deposit Accounts — Trust Fees209,000USD0001140361-20-017629
    Q1 2019Quarterly · 2019-03-31ProductBrokerage And Insurance293,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductFinancial Service Other111,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductService Charges On Deposit Accounts — Automated Teller Machine Income91,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductService Charges On Deposit Accounts — Interchange Revenue540,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductService Charges On Deposit Accounts — Overdraft Fees358,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductService Charges On Deposit Accounts — Statement Fees51,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductService Charges On Deposit Accounts Other59,000USD0000739421-20-000034
    Q1 2019Quarterly · 2019-03-31ProductTrust Fees232,000USD0000739421-20-000034
    FY 2018Yearly · 2018-12-31ProductBrokerage And Insurance790,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductFinancial Service Other350,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductService Charges On Deposit Accounts — Automated Teller Machine Income400,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductService Charges On Deposit Accounts — Interchange Revenue2,259,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductService Charges On Deposit Accounts — Overdraft Fees1,551,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductService Charges On Deposit Accounts — Statement Fees206,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductService Charges On Deposit Accounts Other251,000USD0001140361-21-008169
    FY 2018Yearly · 2018-12-31ProductTrust Fees705,000USD0001140361-21-008169
    Q3 2018Quarterly · 2018-09-30ProductBrokerage And Insurance222,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductFinancial Service Other84,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductService Charges On Deposit Accounts — Automated Teller Machine Income104,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductService Charges On Deposit Accounts — Interchange Revenue566,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductService Charges On Deposit Accounts — Overdraft Fees395,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductService Charges On Deposit Accounts — Statement Fees50,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductService Charges On Deposit Accounts Other66,000USD0000739421-19-000108
    Q3 2018Quarterly · 2018-09-30ProductTrust Fees147,000USD0000739421-19-000108
    Q2 2018Quarterly · 2018-06-30ProductAutomated Teller Machine Income101,000USD0000739421-19-000093
    Q2 2018Quarterly · 2018-06-30ProductFinancial Service Other459,000USD0000739421-19-000093
    Q2 2018Quarterly · 2018-06-30ProductInterchange Revenue574,000USD0000739421-19-000093
    Q2 2018Quarterly · 2018-06-30ProductOverdraft Fees — Brokerage And Insurance168,000USD0000739421-19-000093
    Q2 2018Quarterly · 2018-06-30ProductOverdraft Fees — Service Charges On Deposit Accounts Other63,000USD0000739421-19-000093
    Q2 2018Quarterly · 2018-06-30ProductStatement Fees51,000USD0000739421-19-000093
    Q2 2018Quarterly · 2018-06-30ProductTrust Fees150,000USD0000739421-19-000093
    Q1 2018Quarterly · 2018-03-31ProductBrokerage And Insurance — Automated Teller Machine Income96,000USD0000739421-19-000031
    Q1 2018Quarterly · 2018-03-31ProductBrokerage And Insurance — Financial Service Other266,000USD0000739421-19-000031
    Q1 2018Quarterly · 2018-03-31ProductInterchange Revenue531,000USD0000739421-19-000031
    Q1 2018Quarterly · 2018-03-31ProductOverdraft Fees367,000USD0000739421-19-000031
    Q1 2018Quarterly · 2018-03-31ProductService Charges On Deposit Accounts Other56,000USD0000739421-19-000031
    Q1 2018Quarterly · 2018-03-31ProductStatement Fees54,000USD0000739421-19-000031
    Q1 2018Quarterly · 2018-03-31ProductTrust Fees251,000USD0000739421-19-000031

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.