Citizens Financial Services Inc (CZFS)
Citizens Financial Services Inc brought in $9.8M of revenue over the twelve months to September 30, 2026, down 0.7% from a year earlier. Net income was $43M, a net margin of 438.1%. Operating cash flow minus capital spending left $35.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $27.4M in cash against $512.5M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about Citizens Financial Services Inc
- Net worth
- Citizens Financial Services Inc has a market value (market cap) of $415.3M at the latest share price, and shareholders' equity of $351.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $36.5M of cash; after $1.3M of capital spending, free cash flow was $35.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Citizens Financial Services Inc's next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Citizens Financial Services Inc declared dividends of $1.98 per share in fiscal 2025, a yield of 2.29% at the current price.
What Citizens Financial Services Inc does
Citizens Financial Services Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker CZFS.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $9.9M | $36.6M | $7.62 | $35.2M |
| 2024 | $9.6M | $27.8M | $5.79 | $31.9M |
| 2023 | $9M | $17.8M | $3.98 | $23.9M |
| 2022 | $8.6M | $29.1M | $7.17 | $31.6M |
| 2021 | $7.7M | $29.1M | $7.24 | $37.6M |
| 2020 | $6.7M | $25.1M | $6.46 | $10.9M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CZFS ranks in Finance
Dividends
Citizens Financial Services Inc declared $1.98 per share in fiscal 2025. At the current price that is a yield of 2.29%. It paid out $9.5M in cash dividends, 26% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.98 | $9.5M | 26% |
| 2024 | $1.93 | $9.3M | 33% |
| 2023 | $1.90 | $8.5M | 48% |
| 2022 | $1.86 | $7.6M | 26% |
| 2021 | $1.83 | $7.4M | 25% |
| 2020 | $1.88 | $6.5M | 26% |
Latest SEC filings
What Citizens Financial Services Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 1.7% to $2.7M versus the same quarter last year; diluted EPS $2.48 versus $2.09.
- October 30, 2026
- August 6, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 3.2% to $2.4M versus the same quarter last year; diluted EPS $2.12 versus $1.76.
- July 30, 2026
- July 27, 2026Passive stake changed SCHEDULE 13G/A
- June 22, 2026
- May 7, 2026Quarterly report 10-Q · period to March 31, 2026Revenue fell 4.2% to $2.3M versus the same quarter last year; diluted EPS $2.16 versus $1.59.
- April 29, 2026
- April 29, 2026
- April 27, 2026
What is CZFS worth? A DCF from its reported cash flow
Insider trades
What the people running Citizens Financial Services Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $1.8K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 22, 2026 | Landy R JosephDirector | Gave as a gift | 40 | - |
| September 15, 2026 | Graham Roger C JrDirector | Received as pay | 70 | - |
| September 15, 2026 | Jones Mickey LDirector | Received as pay | 70 | - |
| September 15, 2026 | Osborne Terry BDirector | Received as pay | 70 | - |
| September 15, 2026 | Chappell Robert WDirector | Received as pay | 70 | - |
| September 15, 2026 | Kunes Christopher WDirector | Received as pay | 70 | - |
| September 15, 2026 | Freeman Thomas E.Director | Received as pay | 70 | - |
| September 15, 2026 | Bower Joseph B JrDirector | Received as pay | 70 | - |
Who owns CZFS
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
18 insiders reported holding 270,220 shares in total, about $23.3M at the last price.
| Holder | Shares |
|---|---|
| Graham Roger C JrDirector | 69,964 |
| Black Randall ECEO & PRESIDENT, Director | 46,487 |
| Landy R JosephDirector | 28,051 |
| DePaola Rinaldo ADirector | 16,851 |
| Jones Mickey LDirector | 14,175 |
| Osborne Terry BDirector | 13,430 |
| Freeman Thomas E.Director | 13,423 |
| Kunes Christopher WDirector | 13,248 |
| Behm John DDirector | 13,204 |
| Chappell Robert WDirector | 13,106 |
Questions about CZFS
What does Citizens Financial Services Inc do?
Citizens Financial Services Inc is a company in the Finance sector, listed on NASDAQ as CZFS. Its shares trade on NASDAQ under the ticker CZFS.
What is Citizens Financial Services Inc's net worth?
Citizens Financial Services Inc has a market value (market cap) of $415.3M at the latest share price, and shareholders' equity of $351.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Citizens Financial Services Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $43M on revenue of $9.8M, a net margin of 438.1%.
How much revenue does Citizens Financial Services Inc make?
Over the twelve months to September 30, 2026 Citizens Financial Services Inc reported revenue of $9.8M. That is 0.7% less than a year earlier.
When did Citizens Financial Services Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is Citizens Financial Services Inc's next earnings report?
Citizens Financial Services Inc's next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Citizens Financial Services Inc pay a dividend?
Yes. Citizens Financial Services Inc declared dividends of $1.98 per share in fiscal 2025, a yield of 2.29% at the current price.
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Where the numbers come from
Financial figures are the values Citizens Financial Services Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.