Citizens Financial Services Inc (CZFS)
Citizens Financial Services Inc brought in $9.9M of revenue over the twelve months to June 30, 2026, up 2.5% from a year earlier. Net income was $41.1M, a net margin of 416.5%. Operating cash flow minus capital spending left $35.2M of free cash flow in fiscal 2025. At June 30, 2026 it held $39.4M in cash against $394M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 6, 2026.
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 |
Latest SEC filings
What Citizens Financial Services Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- August 6, 2026Quarterly report 10-Q · period to June 30, 2026
- July 30, 2026
- July 27, 2026Passive stake changed SCHEDULE 13G/A
- June 22, 2026
- May 7, 2026Quarterly report 10-Q · period to March 31, 2026
- April 29, 2026
- April 29, 2026
- April 27, 2026
- April 22, 2026
- April 21, 2026
Questions about CZFS
What does Citizens Financial Services Inc do?
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.
Is Citizens Financial Services Inc profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $41.1M on revenue of $9.9M, a net margin of 416.5%.
How much revenue does Citizens Financial Services Inc make?
Over the twelve months to June 30, 2026 Citizens Financial Services Inc reported revenue of $9.9M. That is 2.5% more 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 August 6, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the insider trade from September 22, 2026.
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Follow CZFS: get an email when it filesWhere 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.