Citizens Financial Services, Inc. (CZFS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CZFS SEC filings page.
Citizens Financial Services, Inc. (CZFS) reported $118.1M in revenue over the twelve months to Jun 30, 2026, up 12.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The business’s 2025 earnings recovery reflects better expense absorption, while its balance sheet remains liability-funded.
From FY2023 to FY2025, revenue increased22.3% while net income more than doubled, rising105.3% ; this widening gap signals earnings recovery outpaced business growth. SG&A was nearly unchanged from FY2024 to FY2025 as net margin reached32.6% , indicating overhead did not scale with the latest revenue growth.
Liabilities-to-equity fell from 9.6x in FY2023 to 8.1x in FY2025, so balance-sheet growth was increasingly supported by equity. Yet liabilities still represented
FY2025 operating cash flow was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Citizens Financial Services, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Citizens Financial Services, Inc. earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.9% the prior year. Earnings ranks banks on that return over three years, and Citizens Financial Services, Inc. scores 60/100 among other banks.
Citizens Financial Services, Inc. reported revenue of $112.3M in fiscal year 2025, against $101.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Citizens Financial Services, Inc. scores 61/100 among other banks.
Citizens Financial Services, Inc. funded 11.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $338.1M of equity against $3.1B of assets. Capital ranks banks on that cushion, and Citizens Financial Services, Inc. scores 46/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Citizens Financial Services, Inc. scores 56/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Citizens Financial Services, Inc. scores 76/100 on it among other banks.
Citizens Financial Services, Inc. reported net income of $36.6M in fiscal year 2025, against $27.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Citizens Financial Services, Inc. scores 56/100 among other banks.
Citizens Financial Services, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Citizens Financial Services, Inc. generated $29.7M in revenue in Q2 2026. This represents an increase of 8.8% from the same quarter a year earlier. Against the prior quarter it is down 0.3%.
Citizens Financial Services, Inc. reported $10.2M in net income in Q2 2026. This represents an increase of 20.4% from the same quarter a year earlier. Against the prior quarter it is down 1.8%.
Citizens Financial Services, Inc. earned $2.12 per diluted share (EPS) in Q2 2026. This represents an increase of 20.5% from the same quarter a year earlier. Against the prior quarter it is down 1.9%.
Not reported for Q2 2026.
Cash & Balance Sheet
Citizens Financial Services, Inc. recorded an outflow of $376K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 106.9% from the same quarter a year earlier. Against the prior quarter it is down 102.1%.
Citizens Financial Services, Inc. held $39.4M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Citizens Financial Services, Inc. paid $0.51 per share in dividends in Q2 2026. This represents an increase of 4.1% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.
Margins & Returns
Citizens Financial Services, Inc.'s net profit margin was 34.3% in Q2 2026, showing the share of revenue converted to profit. This is up 3.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.
Citizens Financial Services, Inc.'s quarterly ROE was 2.9% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Citizens Financial Services, Inc. spent $147K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 38.5% from the same quarter a year earlier. Against the prior quarter it is down 7.0%.
Citizens Financial Services, Inc. invested $287K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 42.0% from the same quarter a year earlier. Against the prior quarter it is up 129.6%.
Not reported for Q2 2026.
CZFS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $29.7M+8.8% | $29.8M+12.8% | $29.6M+13.0% | $29.0M+15.6% | $27.3M+10.9% | $26.4M+1.9% | $26.2M+3.4% | $25.1M-3.8% |
| SG&A Expenses | $10.3M+3.0% | $10.3M-0.1% | $9.2M-5.3% | $9.9M+2.2% | $10.0M+3.7% | $10.3M0.0% | $9.7M+3.5% | $9.7M-2.9% |
| Interest Expense | $13.8M-8.5% | $14.2M-11.5% | $14.9M-11.7% | $15.1M-13.0% | $15.1M-9.0% | $16.0M-5.7% | $16.9M+1.6% | $17.4M+21.6% |
| Income Tax | $2.2M+10.3% | $2.3M+28.9% | $2.6M+45.0% | $2.4M+37.4% | $2.0M+75.5% | $1.8M+22.2% | $1.8M+1.0% | $1.7M+7.2% |
| Net Income | $10.2M+20.4% | $10.4M+36.2% | $10.5M+31.3% | $10.0M+32.8% | $8.5M+60.4% | $7.6M+8.5% | $8.0M+5.9% | $7.5M-0.2% |
| EPS (Basic) | $2.12+20.5% | $2.16+35.8% | $2.18+29.8% | $2.09+33.1% | $1.76+60.0% | $1.59+7.4% | $1.68+2.4% | $1.57-1.3% |
| EPS (Diluted) | $2.12+20.5% | $2.16+35.8% | $2.18+29.8% | $2.09+33.1% | $1.76+60.0% | $1.59+7.4% | $1.68+2.4% | $1.57-1.3% |
| Diluted Shares (Avg) | 5M0.0% | 5M0.0% | N/A | 5M0.0% | 5M0.0% | 5M+1.1% | N/A | 5M+1.1% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
CZFS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.2B+7.6% | $3.0B+0.3% | $3.1B+1.3% | $3.1B+1.0% | $3.0B+0.7% | $3.0B+3.3% | $3.0B+1.7% | $3.0B+2.3% |
| Cash & Equivalents | $39.4M-20.3% | $33.1M-10.0% | $34.3M-18.7% | $31.1M-15.5% | $49.5M+28.8% | $36.8M+24.2% | $42.2M-20.1% | $36.8M-15.2% |
| Short-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Long-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Goodwill | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M+1.2% |
| Total Liabilities | $2.8B+7.0% | $2.7B-0.9% | $2.7B0.0% | $2.7B0.0% | $2.7B-0.3% | $2.7B+2.6% | $2.7B+1.1% | $2.7B+1.2% |
| Total Equity | $352.8M+12.5% | $343.6M+11.4% | $338.1M+12.8% | $327.7M+9.7% | $313.7M+9.5% | $308.3M+9.1% | $299.7M+7.2% | $298.7M+13.7% |
| Retained Earnings | $229.3M+15.9% | $221.6M+13.8% | $213.6M+12.8% | $205.5M+11.8% | $197.9M+10.8% | $194.7M+9.6% | $189.4M+9.5% | $183.8M+9.6% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CZFS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$89K-101.5% | $18.0M+64.6% | $16.7M+59.6% | $2.9M-53.8% | $6.0M+98.0% | $10.9M-18.7% | $10.5M-35.3% | $6.2M-16.2% |
| Depreciation & Amortization | $444K-5.9% | $470K+4.7% | $690K+62.4% | $493K+16.5% | $472K+2.8% | $449K-10.0% | $425K-14.7% | $423K-14.0% |
| Capital Expenditures | $287K-42.0% | $125K-78.6% | $71K-84.6% | $145K-76.8% | $495K+289.8% | $585K+490.9% | $462K+49.5% | $626K+63.9% |
| Free Cash Flow | -$376K-106.9% | $17.9M+72.7% | $16.7M+66.2% | $2.7M-51.2% | $5.5M+89.6% | $10.4M-22.4% | $10.0M-37.0% | $5.6M-20.6% |
| Investing Cash Flow | -$139.5M-297.3% | $29.9Mn/m | -$6.5Mn/m | -$103.5Mn/m | $70.7Mn/m | -$728K-103.2% | -$175K-104.8% | -$79.0Mn/m |
| Financing Cash Flow | $145.9Mn/m | -$49.1Mn/m | -$7.0Mn/m | $82.3M+15.6% | -$64.0M-441.0% | -$15.6Mn/m | -$4.9Mn/m | $71.2M+11.0% |
| Dividends Paid | $2.5M+2.6% | $2.4M+2.0% | $2.4M+3.0% | $2.4M+3.1% | $2.4M+2.4% | $2.4M+2.1% | $2.3M+1.1% | $2.3M+1.1% |
| Share Buybacks | $147K-38.5% | $158K+177.2% | -$15K+650.0% | $77K-37.4% | $239K+563.9% | $57K+26.7% | -$2K+100.0% | $123K-53.4% |
Not reported in any period shown, so not listed: Stock-Based Compensation.
CZFS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.3%+3.3pp | 34.8%+6.0pp | 35.4%+4.9pp | 34.5%+4.5pp | 31.0%+9.6pp | 28.8%+1.8pp | 30.5%+0.7pp | 30.0%+1.1pp |
| Return on Equity | 2.9%+0.2pp | 3.0%+0.6pp | 3.1%+0.4pp | 3.0%+0.5pp | 2.7%+0.9pp | 2.5%0.0pp | 2.7%0.0pp | 2.5%-0.3pp |
| Return on Assets | 0.3%0.0pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp |
| Liabilities-to-Equity | 8.05-0.4x | 7.81-1.0x | 8.07-1.0x | 8.33-0.8x | 8.46-0.8x | 8.78-0.5x | 9.09-0.5x | 9.13-1.1x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -1.3%-21.4pp | 60.0%+20.8pp | 56.3%+18.0pp | 9.4%-12.9pp | 20.1%+8.4pp | 39.2%-12.3pp | 38.2%-24.5pp | 22.3%-4.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Citizens Financial Services, Inc. CZFS | FY2025 | $112.3M | $36.6M | 32.6% | $392.3M | 59/100 |
| Bankwell Financial Group Inc BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $526.6M | 44/100 |
| Plumas Bancorp PLBC | FY2025 | $98.3M | $29.6M | 30.1% | $438.8M | 74/100 |
| Citizens & Northern Corporation CZNC | FY2025 | $122.7M | $23.4M | 19.1% | $459.7M | 50/100 |
| PCB Bancorp PCB | FY2025 | $115.7M | $37.5M | 32.4% | $393.7M | 65/100 |
| MVB Financial Corp. MVBF | FY2025 | $167.7M | $27K | 0.0% | $377.0M | 32/100 |
Where Citizens Financial Services, Inc. Ranks
Frequently Asked Questions
What is Citizens Financial Services, Inc.'s annual revenue?
Citizens Financial Services, Inc. (CZFS) reported $112.3M in total revenue for fiscal year 2025. This represents a 10.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Citizens Financial Services, Inc.'s revenue growing?
Citizens Financial Services, Inc. (CZFS) revenue grew by 10.3% year-over-year, from $101.9M to $112.3M in fiscal year 2025.
Is Citizens Financial Services, Inc. profitable?
Yes, Citizens Financial Services, Inc. (CZFS) reported a net income of $41.1M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $36.6M, with a net profit margin of 32.6%.
What is Citizens Financial Services, Inc.'s net profit margin?
Citizens Financial Services, Inc. (CZFS) had a net profit margin of 32.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Citizens Financial Services, Inc. pay dividends?
Yes, Citizens Financial Services, Inc. (CZFS) paid $1.98 per share in dividends during fiscal year 2025.
What is Citizens Financial Services, Inc.'s return on equity (ROE)?
Citizens Financial Services, Inc. (CZFS) has a return on equity of 10.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Citizens Financial Services, Inc.'s free cash flow?
Citizens Financial Services, Inc. (CZFS) generated $35.2M in free cash flow during fiscal year 2025. This represents a 10.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Citizens Financial Services, Inc.'s operating cash flow?
Citizens Financial Services, Inc. (CZFS) generated $36.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Citizens Financial Services, Inc.'s total assets?
Citizens Financial Services, Inc. (CZFS) had $3.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Citizens Financial Services, Inc.'s capital expenditures?
Citizens Financial Services, Inc. (CZFS) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Citizens Financial Services, Inc.'s liabilities-to-equity ratio?
Citizens Financial Services, Inc. (CZFS) had a liabilities-to-equity ratio of 8.07 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
What is Citizens Financial Services, Inc.'s return on assets (ROA)?
Citizens Financial Services, Inc. (CZFS) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Citizens Financial Services, Inc.'s P/E ratio?
Citizens Financial Services, Inc. (CZFS) trades at 9.6x earnings, its market capitalization divided by $41.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $392.3M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens Financial Services, Inc.'s price-to-sales ratio?
Citizens Financial Services, Inc. (CZFS) trades at 3.3x sales, its market capitalization divided by $118.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $392.3M as of Oct 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens Financial Services, Inc.'s Piotroski F-Score?
Citizens Financial Services, Inc. (CZFS) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
How financially healthy is Citizens Financial Services, Inc.?
Citizens Financial Services, Inc. (CZFS) scores 59 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.