Citizens Financial Services (CZFS) Financial Statements & Analysis

Citizens Financial Services (CZFS) Income Statement

Citizens Financial Services reported revenue of $112.34M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 11.5% from $100.75M a year earlier. Net income was $36.57M, up 31.5% year over year, a net margin of 32.6%. Gross margin was 97.6% and operating margin 40.1%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $29.21M, up 10.0% from the same quarter a year earlier.

Citizens Financial Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Citizens Financial Services, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	112.35	100.75	91.87	81.87	85.52	81.72	70.37	64.49	56.75
Cost of Revenue	63.54	70.45	52.39	12.91	8.66	10.51	13.72	11.50	8.38
Gross Profit	109.70	98.17	86.34	80.19	76.87	71.21	56.65	52.99	48.37
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	41.11	41.34	36.47	28.51	26.42	24.67	20.53	19.51	18.04
Operating Expenses	64.61	64.48	64.82	44.69	41.55	40.85	33.34	31.56	29.31
Operating Income	45.09	33.68	21.52	35.50	35.32	30.37	23.31	21.44	19.06
Other Income/Expense
Interest Income	157.47	152.77	125.71	82.73	72.84	69.90	61.48	56.31	47.82
Interest Expense	61.17	67.86	46.86	11.22	7.11	8.11	12.04	9.57	5.84
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	45.24	33.88	21.58	35.50	35.32	30.37	23.31	21.44	19.06
Income Tax Expense	8.67	6.07	3.76	6.44	6.20	5.26	3.82	3.40	6.03
Net Income	36.57	27.82	17.81	29.06	29.12	25.10	19.49	18.03	13.03
Net Income - Continuous Operations	36.57	27.82	17.81	29.06	29.12	25.10	19.49	18.03	13.03
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	2.10	35.49	1.52	36.53	36.43	31.50	24.35	21.82	19.26
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.48	0.56	0.37	0.16	1.11	1.14	1.04	0.39	0.20
Earnings Per Share
Basic EPS	8.00	6.00	4.00	7.00	7.00	6.00	5.00	5.00	3.00
Diluted EPS	8.00	6.00	4.00	7.00	7.00	6.00	5.00	5.00	3.00
Basic Shares Outstanding	4.80	4.80	4.47	4.09	4.07	3.96	3.70	3.72	3.73
Diluted Shares Outstanding	4.80	4.80	4.47	4.09	4.07	3.96	3.70	3.72	3.73

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Citizens Financial Services Financial Statements

What was Citizens Financial Services's revenue in fiscal 2025?

Citizens Financial Services reported revenue of $112.34M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 11.5% from $100.75M a year earlier.

Is Citizens Financial Services profitable?

Yes. Citizens Financial Services earned net income of $36.57M in fiscal 2025, a net margin of 32.6%. In fiscal 2024 it earned $27.82M.

What is Citizens Financial Services's operating margin?

Citizens Financial Services's operating income was $45.09M on revenue of $112.34M in fiscal 2025, an operating margin of 40.1%, compared with 33.4% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition