Citizens Financial Services Inc (CZFS) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Citizens Financial Services reported revenue of $112.3M, up 10.3% from $101.9M the year before. Net income was $36.6M (a 32.6% net margin), or $7.62 per diluted share. Net interest income was $98.0M, and the efficiency ratio (noninterest expense / revenue) was 57.6%. Operating activities generated $36.5M of cash, leaving $35.2M of free cash flow. At fiscal year end, Citizens Financial Services held $3.06B in total assets against $2.73B in total liabilities, including $34.3M of cash and equivalents.
Open the full interactive Citizens Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Citizens Financial Services Key Stats
| Share Price | $78.84 |
|---|---|
| Market Cap | $378.6M |
| P/E Ratio | 10.3 |
| Revenue YoY Growth | +10.3% |
| 52-Week Range | $51.60 – $83.16 |
| Shares Outstanding | 4.8 million (basic, 2026 Q2) |
Citizens Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $62.2M | $66.1M | $72.1M | $80.3M | $86.5M | $98.0M |
| Provision for Credit Losses | $2.4M | $1.6M | $1.7M | $5.5M | $2.6M | $2.4M |
| Noninterest Income | $11.4M | $12.3M | $9.7M | $11.6M | $15.4M | $14.3M |
| Noninterest Expense | $40.8M | $41.5M | $44.7M | $64.8M | $65.6M | $64.7M |
| Revenue | $73.6M | $78.4M | $81.9M | $91.9M | $101.9M | $112.3M |
| Pre-Tax Income | $30.4M | $35.3M | $35.5M | $21.5M | $33.7M | $45.2M |
| Income Tax | $5.3M | $6.2M | $6.4M | $3.7M | $5.9M | $8.7M |
| Net Income | $25.1M | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M |
| Diluted EPS | $6.40 | $7.16 | $7.18 | $4.02 | $5.85 | $7.62 |
Citizens Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $29.0M | $29.6M | $29.8M | $29.7M |
| Net Income | $10.0M | $10.5M | $10.4M | $10.2M |
| Diluted EPS | $2.09 | $2.18 | $2.16 | $2.12 |
Citizens Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $68.7M | $172.8M | $26.2M | $52.8M | $42.2M | $34.3M |
| Loans (Net) | $1.39B | $1.42B | $1.71B | — | — | — |
| Total Assets | $1.89B | $2.14B | $2.33B | $2.98B | $3.03B | $3.06B |
| Deposits | $1.59B | $1.84B | $1.84B | $2.32B | $2.38B | $2.38B |
| Total Long-Term Debt | $88.8M | $74.0M | $257.3M | $322.0M | $297.7M | $309.4M |
| Total Liabilities | $1.70B | $1.93B | $2.13B | $2.70B | $2.73B | $2.73B |
| Shareholders' Equity | $194.3M | $212.5M | $200.1M | $279.7M | $299.7M | $338.1M |
Citizens Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $11.8M | $38.7M | $33.2M | $26.5M | $33.2M | $36.5M |
| Cash From Investing | -$110.7M | -$158.2M | -$362.5M | $59.5M | -$69.1M | -$40.1M |
| Cash From Financing | $149.1M | $223.7M | $182.6M | -$59.4M | $25.3M | -$4.4M |
| Free Cash Flow | $10.9M | $37.6M | $31.6M | $23.9M | $31.9M | $35.2M |
Figures from Citizens Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Citizens Financial Services financials page for every line item.
Citizens Financial Services Company Profile
| Ticker | CZFS |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Mansfield, Pennsylvania |
| Incorporated in | Pennsylvania |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000739421 |
Frequently Asked Questions
What was Citizens Financial Services' revenue in fiscal 2025?
Citizens Financial Services (CZFS) reported revenue of $112.3M for fiscal 2025.
What is Citizens Financial Services' annual revenue history?
Citizens Financial Services' annual revenue by fiscal year: 2020: $73.6M; 2021: $78.4M; 2022: $81.9M; 2023: $91.9M; 2024: $101.9M; 2025: $112.3M.
What was Citizens Financial Services' net income in fiscal 2025?
Citizens Financial Services reported net income of $36.6M for fiscal 2025.
What was Citizens Financial Services' earnings per share (EPS) in fiscal 2025?
Citizens Financial Services' diluted EPS was $7.62 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Citizens Financial Services generate in fiscal 2025?
Citizens Financial Services generated $35.2M of free cash flow in fiscal 2025.
What was Citizens Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Citizens Financial Services reported revenue of $29.7M.
How much debt does Citizens Financial Services have?
Citizens Financial Services reported $309.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Citizens Financial Services are outstanding?
Citizens Financial Services reported a weighted average of 4.8 million basic shares outstanding in 2026 Q2.
What is Citizens Financial Services' market cap?
Based on its latest closing price, Citizens Financial Services (CZFS) has a market capitalization of about $378.6M.
When does Citizens Financial Services' fiscal year end?
Citizens Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Citizens Financial Services headquartered?
Citizens Financial Services lists its business address in Mansfield, Pennsylvania in its SEC filings.