FY2025 · ended Dec 31, 2025 · Revenue $9.88M, +2.8% YoY · Filed Mar 12, 2026
Citizens Financial Services, Inc. (CZFS) files with the SEC under industry code 6022, State Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $9.9 million and net income of $36.6 million. Free cash flow was $35.2 million. As of Sep 30, 2026 it held $504.9 million in cash and investments and $512.5 million in total debt.
Revenue (TTM)
$9.81M
-0.7% vs year-ago TTM
Net income (TTM)
$42.97M
+26.1% vs year-ago TTM
Operating cash flow (TTM)
$39.92M
+31.8% vs year-ago TTM
Free cash flow (TTM)
$39.20M
+37.1% vs year-ago TTM
EPS (TTM)
$8.95
+26.1% vs year-ago TTM
Dividend per share (TTM)
$2.02
+2.8% vs year-ago TTM
Shares outstanding
4.81M
+1.0% vs prior year
Net cash
$-7.56M
as of Sep 30, 2026
Operating margin
—
Company profile
- Industry
- State Commercial Banks (SIC 6022)
- Listed as
- CZFS (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- PA
- Headquarters
- Mansfield, PA
- SEC filer status
- Accelerated filer
- SEC CIK
- 739421
Other State Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $9.9M | $9.6M | $9.0M | $8.6M | $7.7M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M | $29.1M |
| Diluted EPS | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 |
| Operating cash flow | $36.5M | $33.2M | $26.5M | $33.2M | $38.7M |
| Free cash flow | $35.2M | $31.9M | $23.9M | $31.6M | $37.6M |
| Total assets | $3.1B | $3.0B | $3.0B | $2.3B | $2.1B |
| Total liabilities | $2.7B | $2.7B | $2.7B | $2.1B | $1.9B |
| Stockholders' equity | $338.1M | $299.7M | $279.7M | $200.1M | $212.5M |
| Cash and investments | $479.0M | $468.1M | $470.4M | $465.7M | $585.2M |
| Total debt | $320.2M | $307.8M | $333.2M | $262.3M | $77.2M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Nov 5, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 30, 2026 | Sep 30, 2026 |
| 10-Q | Quarterly report | Aug 6, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations
|
Jul 30, 2026 | Jul 30, 2026 |
| 8-K |
Current report
Officer or director change
|
Jun 22, 2026 | Jun 16, 2026 |
| 10-Q | Quarterly report | May 7, 2026 | Mar 31, 2026 |
All 1016 Citizens Financial Services, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.