Citizens Financial Services (CZFS) Revenue & Revenue Breakdown
Citizens Financial Services Revenue Highlights
Latest Revenue (Y)
$154.32M
Latest Revenue (Q)
$42.36M
Main Segment (Y)
Community Banking
Main Geography (Y)
Service
Citizens Financial Services Revenue by Period
Citizens Financial Services Revenue by Year
| Date | Revenue | Change |
|---|---|---|
| 2024-12-31 | $154.32M | 78.74% |
| 2023-12-31 | $86.34M | 5.45% |
| 2022-12-31 | $81.87M | 4.41% |
| 2021-12-31 | $78.42M | 6.53% |
| 2020-12-31 | $73.61M | 26.21% |
| 2019-12-31 | $58.33M | 6.20% |
| 2018-12-31 | $54.92M | 7.87% |
| 2017-12-31 | $50.91M | 11.00% |
| 2016-12-31 | $45.86M | 19.88% |
| 2015-12-31 | $38.26M | 1.49% |
| 2014-12-31 | $37.69M | 1.36% |
| 2013-12-31 | $37.19M | -2.81% |
| 2012-12-31 | $38.26M | 7.36% |
| 2011-12-31 | $35.64M | 5.85% |
| 2010-12-31 | $33.67M | 7.81% |
| 2009-12-31 | $31.23M | 28.33% |
| 2008-12-31 | $24.34M | 0.62% |
| 2007-12-31 | $24.19M | 6.96% |
| 2006-12-31 | $22.61M | 1.01% |
| 2005-12-31 | $22.39M | 3.34% |
| 2004-12-31 | $21.66M | -1.98% |
| 2003-12-31 | $22.10M | 0.37% |
| 2002-12-31 | $22.02M | 15.84% |
| 2001-12-31 | $19.01M | 29.76% |
| 2000-12-31 | $14.65M | 3.86% |
| 1999-12-31 | $14.10M | 461.24% |
| 1998-12-31 | $2.51M | -5.60% |
| 1997-12-31 | $2.66M | 66.79% |
| 1996-12-31 | $1.60M | 12.79% |
| 1995-12-31 | $1.42M | 1.73% |
| 1994-12-31 | $1.39M | 0.72% |
| 1993-12-31 | $1.38M | - |
Citizens Financial Services generated $154.32M in revenue during NA 2024, up 78.74% compared to the previous quarter, and up 264.58% compared to the same period a year ago.
Citizens Financial Services Revenue by Quarter
| Date | Revenue | Change |
|---|---|---|
| 2024-09-30 | $42.36M | 3.16% |
| 2024-06-30 | $41.06M | -4.32% |
| 2024-03-31 | $42.92M | 2.28% |
| 2023-12-31 | $41.96M | 60.15% |
| 2023-09-30 | $26.20M | 29.70% |
| 2023-06-30 | $20.20M | -0.26% |
| 2023-03-31 | $20.25M | -6.27% |
| 2022-12-31 | $21.61M | 0.33% |
| 2022-09-30 | $21.54M | 7.51% |
| 2022-06-30 | $20.03M | 7.17% |
| 2022-03-31 | $18.69M | -3.55% |
| 2021-12-31 | $19.38M | -0.31% |
| 2021-09-30 | $19.44M | 2.77% |
| 2021-06-30 | $18.92M | -8.50% |
| 2021-03-31 | $20.68M | 0.81% |
| 2020-12-31 | $20.51M | 2.50% |
| 2020-09-30 | $20.01M | 9.01% |
| 2020-06-30 | $18.36M | 24.52% |
| 2020-03-31 | $14.74M | -1.33% |
| 2019-12-31 | $14.94M | -0.91% |
| 2019-10-31 | $15.08M | 4.96% |
| 2019-06-30 | $14.36M | 2.98% |
| 2019-03-31 | $13.95M | -1.91% |
| 2018-12-31 | $14.22M | 3.19% |
| 2018-09-30 | $13.78M | 1.38% |
| 2018-06-30 | $13.59M | 2.00% |
| 2018-03-31 | $13.33M | -5.14% |
| 2017-12-31 | $14.05M | 12.04% |
| 2017-09-30 | $12.54M | 2.00% |
| 2017-06-30 | $12.29M | 2.16% |
| 2017-03-31 | $12.03M | 0.53% |
| 2016-12-31 | $11.97M | 2.99% |
| 2016-09-30 | $11.62M | 4.18% |
| 2016-06-30 | $11.15M | 0.30% |
| 2016-03-31 | $11.12M | 12.16% |
| 2015-12-31 | $9.91M | 4.26% |
| 2015-09-30 | $9.51M | -0.06% |
| 2015-06-30 | $9.52M | 2.16% |
| 2015-03-31 | $9.31M | -1.86% |
| 2014-12-31 | $9.49M | -0.06% |
| 2014-09-30 | $9.50M | 0.99% |
| 2014-06-30 | $9.40M | 1.62% |
| 2014-03-31 | $9.26M | -1.31% |
| 2013-12-31 | $9.38M | -1.81% |
| 2013-09-30 | $9.55M | 5.03% |
| 2013-06-30 | $9.09M | -0.77% |
| 2013-03-31 | $9.16M | -5.85% |
| 2012-12-31 | $9.73M | 1.81% |
| 2012-08-09 | $9.56M | -0.47% |
| 2012-06-30 | $9.61M | 2.18% |
| 2012-03-31 | $9.40M | -1.08% |
| 2011-11-14 | $9.50M | 6.36% |
| 2011-09-30 | $8.94M | 2.15% |
| 2011-06-30 | $8.75M | 3.51% |
| 2011-03-31 | $8.45M | -3.33% |
| 2010-11-12 | $8.74M | 3.36% |
| 2010-08-12 | $8.46M | 1.50% |
| 2010-05-10 | $8.33M | 2.41% |
| 2010-03-31 | $8.14M | 0.82% |
| 2009-11-12 | $8.07M | 2.92% |
| 2009-09-30 | $7.84M | 0.47% |
| 2009-06-30 | $7.80M | 3.89% |
| 2009-03-31 | $7.51M | 2.47% |
| 2008-12-31 | $7.33M | 126.37% |
| 2008-09-30 | $3.24M | -54.69% |
| 2008-06-30 | $7.15M | - |
Citizens Financial Services generated $42.36M in revenue during Q3 2024, up 3.16% compared to the previous quarter, and up 209.69% compared to the same period a year ago.
Citizens Financial Services Revenue Breakdown
Citizens Financial Services Revenue Breakdown by Product
Annual Revenue by Product
| Product/Service | Dec 24 | Dec 20 | Dec 19 | Dec 18 |
|---|---|---|---|---|
| Community Banking | $169.72M | - | - | - |
| Statement Fees | - | $207.00K | $206.00K | $206.00K |
| Interchange Revenue | - | $2.29M | $2.29M | $2.26M |
| Overdraft Fees | - | $1.17M | $1.54M | $1.55M |
| Brokerage and Insurance | - | $1.30M | $1.14M | $790.00K |
| Financial Service, Other | - | $339.00K | $348.00K | $350.00K |
| Automated Teller Machine Income | - | $323.00K | $392.00K | $400.00K |
| Service | - | $4.22M | $4.69M | $4.67M |
| Service Charges on Deposit Accounts, Other | - | $233.00K | $259.00K | $251.00K |
| Trust Fees | - | $803.00K | $750.00K | $705.00K |
Citizens Financial Services's latest annual revenue breakdown by segment (product or service), as of Dec 24: Community Banking (100.00%).
Quarterly Revenue by Product
| Product/Service | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Jun 19 | Mar 19 | Dec 18 | Sep 18 | Jun 18 | Mar 18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Brokerage and Insurance | $376.00K | $356.00K | $352.00K | $249.00K | $340.00K | $298.00K | $261.00K | $293.00K | $219.00K | $222.00K | $168.00K | $181.00K |
| Trust Fees | $307.00K | $261.00K | $199.00K | $145.00K | $198.00K | $161.00K | $209.00K | $232.00K | $157.00K | $147.00K | $150.00K | $251.00K |
| Statement Fees | $56.00K | $51.00K | $50.00K | $50.00K | $56.00K | $53.00K | $50.00K | $51.00K | $51.00K | $50.00K | $51.00K | $54.00K |
| Service | $1.11M | $1.11M | $1.11M | $914.00K | $1.08M | $1.19M | $1.17M | $1.10M | $1.21M | $1.18M | $1.17M | - |
| Service Charges on Deposit Accounts, Other | $55.00K | $63.00K | $65.00K | $44.00K | $61.00K | $70.00K | $59.00K | $59.00K | $66.00K | $66.00K | $63.00K | $56.00K |
| Overdraft Fees | $258.00K | $324.00K | $282.00K | $206.00K | $359.00K | $404.00K | $369.00K | $358.00K | $408.00K | $395.00K | $381.00K | $367.00K |
| Automated Teller Machine Income | $98.00K | $82.00K | $99.00K | $59.00K | $83.00K | $92.00K | $101.00K | $91.00K | $99.00K | $104.00K | $101.00K | $96.00K |
| Interchange Revenue | $639.00K | $594.00K | $616.00K | $555.00K | $522.00K | $570.00K | $595.00K | $540.00K | $588.00K | $566.00K | $574.00K | $531.00K |
| Financial Service, Other | $109.00K | $78.00K | $95.00K | $138.00K | $107.00K | $81.00K | $76.00K | $111.00K | $105.00K | $84.00K | $78.00K | $85.00K |
| Service Charges on Deposit Accounts | - | - | - | - | - | - | - | - | - | - | - | $1.10M |
Citizens Financial Services's latest quarterly revenue breakdown by segment (product or service), as of Mar 21: Service (36.82%), Interchange Revenue (21.27%), Brokerage and Insurance (12.52%), Trust Fees (10.22%), Overdraft Fees (8.59%), Financial Service, Other (3.63%), Automated Teller Machine Income (3.26%), Statement Fees (1.86%), and Service Charges on Deposit Accounts, Other (1.83%).
Citizens Financial Services Revenue Breakdown by Country
Annual Revenue by Country
| Country | Dec 20 | Dec 19 | Dec 18 |
|---|---|---|---|
| Trust Fees | $803.00K | $750.00K | $705.00K |
| Statement Fees | $207.00K | $206.00K | $206.00K |
| Service | $4.22M | $4.69M | $4.67M |
| Automated Teller Machine Income | $323.00K | $392.00K | $400.00K |
| Service Charges on Deposit Accounts, Other | $233.00K | $259.00K | $251.00K |
| Overdraft Fees | $1.17M | $1.54M | $1.55M |
| Interchange Revenue | $2.29M | $2.29M | $2.26M |
| Financial Service, Other | $339.00K | $348.00K | $350.00K |
| Brokerage and Insurance | $1.30M | $1.14M | $790.00K |
Citizens Financial Services's latest annual revenue breakdown by geography, as of Dec 20: Service (38.79%), Interchange Revenue (21.02%), Brokerage and Insurance (11.92%), Overdraft Fees (10.76%), Trust Fees (7.38%), Financial Service, Other (3.12%), Automated Teller Machine Income (2.97%), Service Charges on Deposit Accounts, Other (2.14%), and Statement Fees (1.90%).
Quarterly Revenue by Country
| Country | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Jun 19 | Mar 19 | Dec 18 | Sep 18 | Jun 18 | Mar 18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Automated Teller Machine Income | $98.00K | $82.00K | $99.00K | $59.00K | $83.00K | $92.00K | $101.00K | $91.00K | $99.00K | $104.00K | $101.00K | $96.00K |
| Brokerage and Insurance | $376.00K | $356.00K | $352.00K | $249.00K | $340.00K | $298.00K | $261.00K | $293.00K | $219.00K | $222.00K | $168.00K | $181.00K |
| Financial Service, Other | $109.00K | $78.00K | $95.00K | $138.00K | $107.00K | $81.00K | $76.00K | $111.00K | $105.00K | $84.00K | $78.00K | $85.00K |
| Interchange Revenue | $639.00K | $594.00K | $616.00K | $555.00K | $522.00K | $570.00K | $595.00K | $540.00K | $588.00K | $566.00K | $574.00K | $531.00K |
| Overdraft Fees | $258.00K | $324.00K | $282.00K | $206.00K | $359.00K | $404.00K | $369.00K | $358.00K | $408.00K | $395.00K | $381.00K | $367.00K |
| Service Charges on Deposit Accounts, Other | $55.00K | $63.00K | $65.00K | $44.00K | $61.00K | $70.00K | $59.00K | $59.00K | $66.00K | $66.00K | $63.00K | $56.00K |
| Service | $1.11M | $1.11M | $1.11M | $914.00K | $1.08M | $1.19M | $1.17M | $1.10M | $1.21M | $1.18M | $1.17M | - |
| Statement Fees | $56.00K | $51.00K | $50.00K | $50.00K | $56.00K | $53.00K | $50.00K | $51.00K | $51.00K | $50.00K | $51.00K | $54.00K |
| Trust Fees | $307.00K | $261.00K | $199.00K | $145.00K | $198.00K | $161.00K | $209.00K | $232.00K | $157.00K | $147.00K | $150.00K | $251.00K |
| Service Charges on Deposit Accounts | - | - | - | - | - | - | - | - | - | - | - | $1.10M |
Citizens Financial Services's latest quarterly revenue breakdown by geography, as of Mar 21: Service (36.82%), Interchange Revenue (21.27%), Brokerage and Insurance (12.52%), Trust Fees (10.22%), Overdraft Fees (8.59%), Financial Service, Other (3.63%), Automated Teller Machine Income (3.26%), Statement Fees (1.86%), and Service Charges on Deposit Accounts, Other (1.83%).
Citizens Financial Services Peer Comparison by Revenue
| Ticker | Company | Last Year Revenue | Last Quarter Revenue |
|---|---|---|---|
| FBIZ | First Business Financial Services | $233.13M | $50.94M |
| HBCP | Home Bancorp | $184.77M | $51.02M |
| CZFS | Citizens Financial Services | $154.32M | $42.36M |
| OVLY | Oak Valley Bancorp | $78.21M | $19.50M |
| FFNW | First Financial Northwest | $77.37M | $20.09M |
| FNWD | Finward Bancorp | $71.60M | $22.47M |
| CWBC | Community West Bancshares | $61.39M | $27.26M |
| HFBL | Home Federal Bancorp, Inc. of Louisiana | $33.45M | $7.66M |
| AFBI | Affinity Bancshares | $30.61M | $12.87M |
| MGYR | Magyar Bancorp | $30.42M | $8.40M |
| GSBC | Great Southern Bancorp | - | $91.36M |