$CZFS
CITIZENS FINANCIAL SERVICES INC

2023 Q4 Form 10-Q Financial Statement

#000114036123051966 Filed on November 08, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $2.597M
YoY Change 14.56%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $500.0K $490.0K
YoY Change 92.31% 92.91%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $14.29M
YoY Change 386.38%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $9.224M $9.147M
YoY Change -4.92% -0.57%
Income Tax $1.684M $1.599M
% Of Pretax Income 18.26% 17.48%
Net Earnings $7.540M $7.548M
YoY Change -4.25% 0.05%
Net Earnings / Revenue 290.64%
Basic Earnings Per Share $1.61
Diluted Earnings Per Share $1.60 $1.61
COMMON SHARES
Basic Shares Outstanding 4.706M 4.704M
Diluted Shares Outstanding 4.700M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $54.76M $45.19M
YoY Change 92.67% 77.89%
Cash & Equivalents $52.82M $43.34M
Short-Term Investments $1.938M $1.858M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $21.38M $21.42M
YoY Change 21.37% 23.34%
Goodwill $85.76M $84.76M
YoY Change 173.32% 170.14%
Intangibles $3.650M $3.866M
YoY Change 186.95% 181.98%
Long-Term Investments
YoY Change
Other Assets $17.34M $21.40M
YoY Change 34.56%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.975B $2.959B
YoY Change 27.51% 25.94%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $4.298M $2.700M
YoY Change 248.86% 192.84%
Accrued Expenses $11.19M
YoY Change 123.05%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $4.298M $2.700M
YoY Change -31.21% 192.84%
LONG-TERM LIABILITIES
Long-Term Debt $322.0M $316.2M
YoY Change 25.17% 22.12%
Other Long-Term Liabilities $47.84M $42.50M
YoY Change 87.52% 42.97%
Total Long-Term Liabilities $369.9M $358.7M
YoY Change 30.8% 24.27%
TOTAL LIABILITIES
Total Short-Term Liabilities $4.298M $2.700M
Total Long-Term Liabilities $369.9M $358.7M
Total Liabilities $2.696B $2.697B
YoY Change 26.36% 24.94%
SHAREHOLDERS EQUITY
Retained Earnings $173.0M $167.7M
YoY Change 4.88% 5.53%
Common Stock $5.161M $5.161M
YoY Change 16.55% 16.55%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.79M $16.87M
YoY Change -1.07% -0.54%
Treasury Stock Shares
Shareholders Equity $279.7M $262.7M
YoY Change
Total Liabilities & Shareholders Equity $2.975B $2.959B
YoY Change 27.51% 25.94%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income $7.540M $7.548M
YoY Change -4.25% 0.05%
Depreciation, Depletion And Amortization $500.0K $490.0K
YoY Change 92.31% 92.91%
Cash From Operating Activities $16.21M $7.430M
YoY Change 82.06% -19.81%
INVESTING ACTIVITIES
Capital Expenditures $307.0K $380.0K
YoY Change -36.57% -250.79%
Acquisitions
YoY Change
Other Investing Activities $3.992M -$72.53M
YoY Change -82.41% -49.3%
Cash From Investing Activities $3.685M -$72.91M
YoY Change -83.41% -49.12%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -10.41M 64.11M
YoY Change -62.91% -53.04%
NET CHANGE
Cash From Operating Activities 16.21M 7.430M
Cash From Investing Activities 3.685M -72.91M
Cash From Financing Activities -10.41M 64.11M
Net Change In Cash 9.487M -1.370M
YoY Change 209.73% -155.33%
FREE CASH FLOW
Cash From Operating Activities $16.21M $7.430M
Capital Expenditures $307.0K $380.0K
Free Cash Flow $15.90M $7.050M
YoY Change 88.88% -25.93%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
dei Entity File Number
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dei Entity Registrant Name
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CITIZENS FINANCIAL SERVICES, INC.
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15 South Main Street
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us-gaap Gain Loss On Sale Of Mortgage Loans
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CY2023Q3 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
69000
CY2022Q3 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-19000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-223000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-198000
CY2023Q3 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
0
CY2022Q3 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
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us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
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us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
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CY2023Q3 us-gaap Occupancy Net
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1221000
us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
440000
CY2023Q3 czfs Pennsylvania Shares Tax
PennsylvaniaSharesTax
297000
CY2022Q3 czfs Pennsylvania Shares Tax
PennsylvaniaSharesTax
339000
czfs Pennsylvania Shares Tax
PennsylvaniaSharesTax
893000
czfs Pennsylvania Shares Tax
PennsylvaniaSharesTax
1017000
CY2023Q3 czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
157000
CY2022Q3 czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
40000
czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
219000
czfs Amortization Of Intangible Assets Core Deposits And Non Compete
AmortizationOfIntangibleAssetsCoreDepositsAndNonCompete
120000
CY2023Q3 us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
623000
CY2022Q3 us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
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us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
9269000
us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
0
CY2023Q3 czfs Software Expenses
SoftwareExpenses
551000
CY2022Q3 czfs Software Expenses
SoftwareExpenses
370000
czfs Software Expenses
SoftwareExpenses
1274000
czfs Software Expenses
SoftwareExpenses
1069000
CY2023Q3 czfs Ore Expenses Recovery
OREExpensesRecovery
111000
CY2022Q3 czfs Ore Expenses Recovery
OREExpensesRecovery
122000
czfs Ore Expenses Recovery
OREExpensesRecovery
126000
czfs Ore Expenses Recovery
OREExpensesRecovery
-125000
CY2023Q3 us-gaap Other Noninterest Expense
OtherNoninterestExpense
2343000
us-gaap Other Noninterest Expense
OtherNoninterestExpense
5496000
us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
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CY2022Q3 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
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CY2022Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
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CY2023Q3 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Before Reclassification Adjustments Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax
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us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
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CY2023Q2 us-gaap Stockholders Equity
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263228000
CY2023Q3 us-gaap Net Income Loss
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CY2023Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2023Q3 us-gaap Treasury Stock Shares Acquired
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CY2023Q3 us-gaap Treasury Stock Value Acquired Cost Method
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264000
CY2023Q3 us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
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2167
CY2023Q3 us-gaap Stock Issued During Period Value Restricted Stock Award Gross
StockIssuedDuringPeriodValueRestrictedStockAwardGross
82000
CY2023Q3 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
34000
CY2023Q3 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
410
CY2023Q3 us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
28000
CY2023Q3 us-gaap Stock Issued During Period Shares Restricted Stock Award Forfeited
StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited
52
CY2023Q3 us-gaap Restricted Stock Award Forfeitures
RestrictedStockAwardForfeitures
0
CY2023Q3 us-gaap Common Stock Dividends Per Share Declared
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0.49
CY2023Q3 us-gaap Dividends Common Stock Cash
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2307000
CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
262686000
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
200147000
us-gaap Net Income Loss
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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us-gaap Stock Issued During Period Value New Issues
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60137000
us-gaap Treasury Stock Shares Acquired
TreasuryStockSharesAcquired
2772
us-gaap Treasury Stock Value Acquired Cost Method
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264000
us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
2242
us-gaap Stock Issued During Period Value Restricted Stock Award Gross
StockIssuedDuringPeriodValueRestrictedStockAwardGross
117000
us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
184000
us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
410
us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
28000
us-gaap Stock Issued During Period Shares Restricted Stock Award Forfeited
StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited
213
us-gaap Restricted Stock Award Forfeitures
RestrictedStockAwardForfeitures
0
us-gaap Common Stock Dividends Per Share Declared
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1.451
us-gaap Dividends Common Stock Cash
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CY2023Q3 us-gaap Stockholders Equity
StockholdersEquity
262686000
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
195032000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
7544000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2022Q3 us-gaap Treasury Stock Shares Acquired
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18584
CY2022Q3 us-gaap Treasury Stock Value Acquired Cost Method
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0
CY2022Q3 us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
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CY2022Q3 us-gaap Stock Issued During Period Value Restricted Stock Award Gross
StockIssuedDuringPeriodValueRestrictedStockAwardGross
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CY2022Q3 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
16000
CY2022Q3 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
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CY2022Q3 us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
40000
CY2022Q3 us-gaap Stock Issued During Period Shares Restricted Stock Award Forfeited
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120
CY2022Q3 us-gaap Restricted Stock Award Forfeitures
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0
CY2022Q3 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
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CY2022Q3 us-gaap Dividends Common Stock Cash
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1906000
CY2022Q3 us-gaap Stockholders Equity
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191430000
CY2021Q4 us-gaap Stockholders Equity
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212492000
us-gaap Net Income Loss
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us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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us-gaap Stock Issued During Period Value Stock Dividend
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0
us-gaap Treasury Stock Shares Acquired
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18697
us-gaap Treasury Stock Value Acquired Cost Method
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1279000
us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
5392
us-gaap Stock Issued During Period Value Restricted Stock Award Gross
StockIssuedDuringPeriodValueRestrictedStockAwardGross
144000
us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
158000
us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
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us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
112000
us-gaap Stock Issued During Period Shares Restricted Stock Award Forfeited
StockIssuedDuringPeriodSharesRestrictedStockAwardForfeited
159
us-gaap Restricted Stock Award Forfeitures
RestrictedStockAwardForfeitures
0
us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
1.407
us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
5682000
CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
191430000
us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
0
us-gaap Payments To Acquire Marketable Securities
PaymentsToAcquireMarketableSecurities
218000
us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
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0
us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
2733000
us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
-4905000
us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
20000000
us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
0
us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
28000
us-gaap Proceeds From Sale Of Treasury Stock
ProceedsFromSaleOfTreasuryStock
112000
us-gaap Transfer Of Other Real Estate
TransferOfOtherRealEstate
147000
us-gaap Transfer Of Other Real Estate
TransferOfOtherRealEstate
61000
czfs Right Of Use Asset And Liability
RightOfUseAssetAndLiability
5000
czfs Right Of Use Asset And Liability
RightOfUseAssetAndLiability
1518000
us-gaap Dividends Paidinkind
DividendsPaidinkind
3021000
us-gaap Dividends Paidinkind
DividendsPaidinkind
2560000
CY2022Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
234
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
2
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2023Q3 us-gaap Financing Receivable Accrued Interest After Allowance For Credit Loss
FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss
7800000
us-gaap Business Combination Acquisition Related Costs
BusinessCombinationAcquisitionRelatedCosts
9269000
CY2023Q3 czfs Trust Fees
TrustFees
172000
CY2022Q3 czfs Trust Fees
TrustFees
187000
czfs Trust Fees
TrustFees
583000
czfs Trust Fees
TrustFees
620000
CY2023Q3 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
473000
CY2022Q3 us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
446000
us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1429000
us-gaap Investment Banking Advisory Brokerage And Underwriting Fees And Commissions
InvestmentBankingAdvisoryBrokerageAndUnderwritingFeesAndCommissions
1428000
CY2023Q3 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
260000
CY2022Q3 czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
125000
czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
494000
czfs Revenue From Contract With Customer Other
RevenueFromContractWithCustomerOther
387000
CY2023Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
2597000
CY2022Q3 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
2267000
us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
6702000
us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
6516000
CY2023Q3 us-gaap Net Income Loss
NetIncomeLoss
7548000
CY2022Q3 us-gaap Net Income Loss
NetIncomeLoss
7544000
us-gaap Net Income Loss
NetIncomeLoss
10271000
us-gaap Net Income Loss
NetIncomeLoss
21185000
CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
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4699952
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4006794
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4275259
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4009855
CY2023Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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CY2022Q3 us-gaap Earnings Per Share Basic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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CY2023Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4699952
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4006794
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4275259
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4009855
CY2023Q3 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
CY2023Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4699952
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4007028
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4275259
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4009857
CY2023Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.61
CY2022Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.88
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.4
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
5.28
CY2023Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
469888000
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
243000
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
52324000
CY2023Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
417807000
CY2022Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
486993000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
50000
CY2022Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
47537000
CY2022Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
439506000
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
338
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
15396000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
712000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
393093000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
51612000
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
408489000
CY2023Q3 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
52324000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
181562000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
11648000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
246164000
CY2022Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
35889000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
427726000
CY2022Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
47537000
CY2023Q3 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
2145000
czfs Number Of Days Past Due
NumberOfDaysPastDue
P90D
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ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
86504000
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
4492000
CY2022Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
4492000
CY2023Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2023Q3 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
CY2022Q3 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
38000
us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
CY2023Q3 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
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CY2022Q3 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
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us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
89000
us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
6000
CY2023Q3 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
0
CY2022Q3 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
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us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
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us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
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CY2023Q3 us-gaap Equity Securities Fv Ni Gain Loss
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69000
CY2022Q3 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-19000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-223000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-198000
CY2023Q3 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
9000
CY2022Q3 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
4000
us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
14000
us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
4000
CY2023Q3 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
60000
CY2022Q3 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-23000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-237000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-202000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
44257000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
43316000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
170521000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
155161000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
98835000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
86730000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
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CY2023Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
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CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
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CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
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FinancingReceivableAllowanceForCreditLosses
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11969000
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FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality
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NotesReceivableGross
1724999000
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FinancingReceivableNonaccrualWithAllowanceForCreditLoss
4650000
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FinancingReceivableNonaccrualNoAllowance
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CY2023Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
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FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
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FinancingReceivableRecordedInvestmentNonPerformingLoans
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FinancingReceivableNonaccrualNoAllowance
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FinancingReceivableNotPastDue
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CY2023Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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FinancingReceivableNotPastDue
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2246396000
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FinancingReceivableNotPastDue
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PurchasedCreditImpairedLoansNonAccrual
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FinancingReceivableRecordedInvestmentNonaccrualStatus
6938000
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1711303000
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PurchasedCreditImpairedLoansAndStillAccruing
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FinancingReceivableNotPastDue
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PurchasedCreditImpairedLoans
3306000
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LoansAndLeasesReceivableGrossCarryingAmount
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CY2023Q3 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
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8
CY2023Q3 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
2093000
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16
czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
4204000
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NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
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CY2023Q3 czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
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8
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AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
4204000
czfs Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis
NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis
86000
CY2023Q3 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
474000
CY2022Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
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FiniteLivedIntangibleAssetsAccumulatedAmortization
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FiniteLivedIntangibleAssetsNet
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FiniteLivedIntangibleAssetsGross
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FiniteLivedIntangibleAssetsAccumulatedAmortization
3007000
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FiniteLivedIntangibleAssetsNet
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Goodwill
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Goodwill
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AmortizationOfIntangibleAssets
237000
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AmortizationOfIntangibleAssets
447000
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AmortizationOfIntangibleAssets
114000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
354000
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FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
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FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
841000
CY2023Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
704000
CY2023Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
569000
CY2023Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
457000
CY2023Q3 czfs Finite Lived Intangible Asset Expected Amortization After Year Four
FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour
1065000
CY2023Q3 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
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CY2023Q3 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
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CY2023Q3 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
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us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-2317000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
1185000
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-3502000
CY2022Q3 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
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CY2022Q3 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
13000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
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us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
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us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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czfs Individually Analyzed Loans Held For Investment Estimated Selling Cost
IndividuallyAnalyzedLoansHeldForInvestmentEstimatedSellingCost
393000
CY2022 czfs Individually Analyzed Loans Held For Investment Estimated Selling Cost
IndividuallyAnalyzedLoansHeldForInvestmentEstimatedSellingCost
50000

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