CZFS CITIZENS FINL SVCS INC revenue, earnings and financials

For the quarter ended June 30, 2026, CITIZENS FINL SVCS INC reported revenue of $2.44M (up 3.2% from a year earlier), net income of $10.2M and diluted EPS of $2.12; over the last four quarters revenue was $9.86M and net income $41.1M; for the fiscal year ended December 2025 revenue was $9.88M, up 2.8% on the year before.

CZFS annual revenue and earnings

• Fiscal year ended Dec 2025: revenue $9.88M, gross profit n/a, operating income n/a, net income $36.6M (margin 370.1%), EPS $7.62
• Fiscal year ended Dec 2024: revenue $9.61M, gross profit n/a, operating income n/a, net income $27.8M (margin 289.5%), EPS $5.79
• Fiscal year ended Dec 2023: revenue $8.97M, gross profit n/a, operating income n/a, net income $17.8M (margin 198.5%), EPS $3.98
• Fiscal year ended Dec 2022: revenue $8.59M, gross profit n/a, operating income n/a, net income $29.1M (margin 338.4%), EPS $7.17
• Fiscal year ended Dec 2021: revenue $7.74M, gross profit n/a, operating income n/a, net income $29.1M (margin 376.3%), EPS $7.24

CZFS quarterly revenue and earnings

• Quarter ended Jun 30, 2026: revenue $2.44M (up 3.2% year over year), net income $10.2M, EPS $2.12
• Quarter ended Mar 31, 2026: revenue $2.34M (down 4.2% year over year), net income $10.4M, EPS $2.16
• Quarter ended Dec 31, 2025 (from the annual report): revenue $2.30M (up 0.3% year over year), net income $10.5M, EPS $2.18
• Quarter ended Sep 30, 2025: revenue $2.77M (up 10.4% year over year), net income $10.0M, EPS $2.09
• Quarter ended Jun 30, 2025: revenue $2.37M (down 1.0% year over year), net income $8.46M, EPS $1.76
• Quarter ended Mar 31, 2025: revenue $2.44M (up 1.1% year over year), net income $7.62M, EPS $1.59
• Quarter ended Dec 31, 2024 (from the annual report): revenue $2.30M (up 1.1% year over year), net income $7.98M, EPS $1.64
• Quarter ended Sep 30, 2024: revenue $2.51M (down 3.4% year over year), net income $7.54M, EPS $1.57
• Quarter ended Jun 30, 2024: revenue $2.39M (up 17.5% year over year), net income $5.28M, EPS $1.10
• Quarter ended Mar 31, 2024: revenue $2.41M (up 16.6% year over year), net income $7.02M, EPS $1.48
• Quarter ended Dec 31, 2023 (from the annual report): revenue $2.27M (up 9.7% year over year), net income $7.54M, EPS $1.68
• Quarter ended Sep 30, 2023: revenue $2.60M (up 14.6% year over year), net income $7.55M, EPS $1.59
• Quarter ended Jun 30, 2023: revenue $2.03M (down 4.6% year over year), net income −$4.14M, EPS −$1.00
• Quarter ended Mar 31, 2023: revenue $2.07M (down 2.2% year over year), net income $6.87M, EPS $1.71
• Quarter ended Dec 31, 2022 (from the annual report): revenue $2.07M (up 2.2% year over year), net income $7.88M, EPS $1.88
• Quarter ended Sep 30, 2022: revenue $2.27M (up 16.9% year over year), net income $7.54M, EPS $1.88
• Quarter ended Jun 30, 2022: revenue $2.13M (up 13.8% year over year), net income $6.90M, EPS $1.72
• Quarter ended Mar 31, 2022: revenue $2.12M (up 11.5% year over year), net income $6.74M, EPS $1.69
• Quarter ended Dec 31, 2021 (from the annual report): revenue $2.03M, net income $6.94M, EPS $1.76
• Quarter ended Sep 30, 2021: revenue $1.94M, net income $7.06M, EPS $1.77

CZFS cash flow, buybacks and dividends

• Fiscal year ended Dec 2025: operating cash flow $36.5M, share buybacks $358K, dividends $1.98 per share
• Fiscal year ended Dec 2024: operating cash flow $33.2M, share buybacks $202K, dividends $1.93 per share
• Fiscal year ended Dec 2023: operating cash flow $26.5M, share buybacks $265K, dividends $1.90 per share
• Fiscal year ended Dec 2022: operating cash flow $33.2M, share buybacks $1.28M, dividends $1.86 per share
• Fiscal year ended Dec 2021: operating cash flow $38.7M, share buybacks $1.37M, dividends $1.83 per share

CZFS balance sheet

• Jun 30, 2026: cash $39.4M, total assets $3.19B, total liabilities $2.84B, shareholders' equity $353M
• Mar 31, 2026: cash $33.1M, total assets $3.03B, total liabilities $2.68B, shareholders' equity $344M
• Dec 31, 2025: cash $34.3M, total assets $3.06B, total liabilities $2.73B, shareholders' equity $338M
• Sep 30, 2025: cash $31.1M, total assets $3.06B, total liabilities $2.73B, shareholders' equity $328M
• Jun 30, 2025: cash $49.5M, total assets $2.97B, total liabilities $2.65B, shareholders' equity $314M
• Mar 31, 2025: cash $36.8M, total assets $3.02B, total liabilities $2.71B, shareholders' equity $308M
• Dec 31, 2024: cash $42.2M, total assets $3.03B, total liabilities $2.73B, shareholders' equity $300M
• Sep 30, 2024: cash $36.8M, total assets $3.03B, total liabilities $2.73B, shareholders' equity $299M

What is CZFS's revenue?

CITIZENS FINL SVCS INC reported $9.86M of revenue over its last four quarters, through June 30, 2026.

Is CZFS profitable?

Yes. CITIZENS FINL SVCS INC earned $41.1M over the last four quarters.

What is CZFS's EPS?

Diluted earnings per share over the last four quarters were $8.55; $2.12 in the latest quarter.

Does CZFS pay a dividend?

CITIZENS FINL SVCS INC paid $1.98 per share in dividends in the fiscal year ended December 2025.

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