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Financials · CZFS

Citizens Financial Services Inc. (CZFS) financials

For the twelve months ended Jun 30, 2026, Citizens Financial Services Inc. reported $118.11M of revenue and $41.05M of net income.

Revenue, TTM
$118.11M
Revenue growth, YoY
+12.5%
Net income, TTM
$41.05M
Net income growth, YoY
+29.9%
Net margin
34.8%
Free cash flow, TTM
$36.91M
EPS, diluted, TTM
$8.55
EPS growth, YoY
+30.3%
Cash
$39.43M
P/E
10.23
P/S
3.56
Market cap
$419.9M
Annual revenue$112.34M
FY2016FY2025
Annual net income$36.57M
FY2016FY2025
Annual free cash flow$35.24M
FY2016FY2025

CZFS revenue and earnings growth

CZFS revenueQ2 2026$29.71M

Quarter YoY
+8.8%
QoQ
-0.3%
FY YoY
+10.3%
5Y CAGR
+8.8%
10Y CAGR
+11.4%

CZFS revenue was $29.71M in fiscal Q2 2026 (ended Jun 30, 2026), up 8.8% from a year earlier and down 0.3% from the prior quarter. For the full fiscal 2025 it was $112.34M, up 10.3% from fiscal 2024. Compound annual growth was +8.8% over 5 years and +11.4% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CZFS net incomeQ2 2026$10.19M

Quarter YoY
+20.4%
QoQ
-1.8%
FY YoY
+31.5%
5Y CAGR
+7.8%
10Y CAGR
+12.1%

CZFS net income was $10.19M in fiscal Q2 2026 (ended Jun 30, 2026), up 20.4% from a year earlier and down 1.8% from the prior quarter. For the full fiscal 2025 it was $36.57M, up 31.5% from fiscal 2024. Compound annual growth was +7.8% over 5 years and +12.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CZFS EPSQ2 2026$2.12

Quarter YoY
+20.5%
QoQ
-1.9%
FY YoY
+31.6%
5Y CAGR
+3.4%
10Y CAGR
+7.8%

CZFS diluted EPS was $2.12 in fiscal Q2 2026 (ended Jun 30, 2026), up 20.5% from a year earlier and down 1.9% from the prior quarter. For the full fiscal 2025 it was $7.62, up 31.6% from fiscal 2024. Compound annual growth was +3.4% over 5 years and +7.8% over 10 years.

CZFS free cash flowQ2 2026-$376.0K

FY YoY
+10.6%
5Y CAGR
+26.5%
10Y CAGR
+11.3%

CZFS free cash flow was -$376.0K in fiscal Q2 2026 (ended Jun 30, 2026), compared with $5.49M a year earlier. For the full fiscal 2025 it was $35.24M, up 10.6% from fiscal 2024. Compound annual growth was +26.5% over 5 years and +11.3% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$112.34M$101.86M$91.86M$81.87M$78.42M$73.61M$58.33M$54.92M$50.91M$45.86M
Interest expense--$46.86M$11.22M$7.11M$8.11M$12.04M$9.57M$5.84M$5.04M
Pre-tax income$45.24M$33.88M$21.57M$35.49M$35.32M$30.37M$23.31M$21.44M$19.06M$15.67M
Income tax$8.67M$6.07M$3.76M$6.43M$6.20M$5.26M$3.82M$3.40M$6.03M$3.03M
Net income$36.57M$27.82M$17.81M$29.06M$29.12M$25.10M$19.49M$18.03M$13.03M$12.64M
EPS, basic$7.62$5.80$3.98$7.17$7.24$6.46$5.42$5.04$3.67$3.57
EPS, diluted$7.62$5.79$3.98$7.17$7.24$6.46$5.41$5.04$3.67$3.57
Diluted shares4.8M4.8M4.5M4.1M4.0M3.9M3.6M3.6M3.6M3.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$34.29M$42.20M$52.82M$26.21M$172.83M$68.71M$18.52M$16.80M$18.52M$17.75M
Goodwill$85.76M$85.76M$85.76M$31.38M$31.38M$31.38M$23.30M$23.30M$23.30M$21.09M
Total assets$3.06B$3.03B$2.98B$2.33B$2.14B$1.89B$1.47B$1.43B$1.36B$1.22B
Total liabilities$2.73B$2.73B$2.70B$2.13B$1.93B$1.70B$1.31B$1.29B$1.23B$1.10B
Shareholders' equity$338.05M$299.73M$279.67M$200.15M$212.49M$194.26M$154.77M$139.23M$129.01M$123.27M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$36.53M$33.18M$26.54M$33.24M$38.69M$11.82M$21.77M$21.49M$15.74M$16.19M
Capital expenditures$1.30M$1.31M$2.62M$1.63M$1.10M$942.0K$483.0K$500.0K$208.0K$587.0K
Free cash flow$35.24M$31.87M$23.92M$31.61M$37.59M$10.88M$21.28M$20.99M$15.53M$15.61M
Investing cash flow-$40.08M-$69.07M$59.47M-$362.45M-$158.23M-$110.73M-$32.32M-$72.35M-$105.42M-$70.08M
Financing cash flow-$4.37M$25.27M-$59.40M$182.59M$223.66M$149.10M$12.28M$49.15M$90.45M$47.25M
Dividends paid$9.55M$9.30M$8.50M$7.59M$7.38M$6.54M$6.32M$6.12M$5.18M$5.08M
Share repurchases$358.0K$202.0K$265.0K$1.28M$1.37M$2.12M$1.29M$1.18M$979.0K$3.23M
Stock-based compensation$625.0K$412.0K$309.0K$336.0K$614.0K$473.0K$369.0K$308.0K$278.0K$284.0K
Depreciation and amortization$2.10M$1.81M$1.52M$1.03M$1.11M$1.14M$1.04M$387.0K$200.0K$320.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY10.3%10.9%12.2%4.4%6.5%26.2%6.2%7.9%11.0%19.9%
Net income growth, YoY31.5%56.2%-38.7%-0.2%16.0%28.8%8.1%38.5%3.1%8.7%
EPS growth, YoY31.6%45.5%-44.5%-1.0%12.1%19.4%7.3%37.3%2.8%-0.8%
Net margin32.6%27.3%19.4%35.5%37.1%34.1%33.4%32.8%25.6%27.6%
Free cash flow margin31.4%31.3%26.0%38.6%47.9%14.8%36.5%38.2%30.5%34.0%
Return on equity10.8%9.3%6.4%14.5%13.7%12.9%12.6%13.0%10.1%10.3%
Return on assets1.2%0.9%0.6%1.2%1.4%1.3%1.3%1.3%1.0%1.0%

Source: XBRL data Citizens Financial Services Inc. files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CZFS peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CZFS$118.11M+12.5%$41.05M34.8%$419.9M
JPM$203.15B+13.2%$65.98B32.5%$935.97B
BAC$120.16B+5.4%$32.24B26.8%$356.26B
WFC$87.23B+5.4%$22.97B26.3%$262.45B
C$85.22B+5.6%$14.31B16.8%$209.24B
UBS$49.57B+2.0%$7.80B15.7%$157.25B
COF$63.01B+31.2%$10.87B17.2%$126.57B
MFG¥8.79T+7.6%¥1.16T13.2%$122.00B
BNSC$37.74B+12.1%C$7.79B20.6%$118.30B

CZFS FAQ

8 questions
  • What is CZFS revenue?
    Citizens Financial Services Inc. (CZFS) reported $118.11M of revenue for the twelve months ended Jun 30, 2026. That is up 12.5% from the year before. Revenue for fiscal 2025 was $112.34M.
  • Is CZFS profitable?
    Yes. Citizens Financial Services Inc. earned $41.05M in net income for the twelve months ended Jun 30, 2026, a net margin of 34.8%.
  • How much cash and debt does CZFS have?
    Citizens Financial Services Inc. reported $39.43M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CZFS revenue growing?
    Citizens Financial Services Inc.'s revenue changed +10.3% in fiscal 2025, to $112.34M. Its compound annual growth rate was +8.8% over 5 years and +11.4% over 10 years.
  • What is CZFS free cash flow?
    Citizens Financial Services Inc. generated $36.91M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $37.53M less capital expenditures.
  • What is CZFS earnings per share?
    Diluted earnings per share were $8.55 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CZFS last report financial results?
    The latest statements here come from Citizens Financial Services Inc.'s 10-Q filed on Aug 6, 2026, covering the period ended Jun 30, 2026.
  • Where does this CZFS financial data come from?
    Quantisnow builds these statements from the structured XBRL data Citizens Financial Services Inc. files with the SEC. It is provided for information only and is not investment advice.