Q3 FY2026 · ended Sep 30, 2026 · Revenue $2.72M, -1.7% YoY · Filed Nov 5, 2026
Citizens Financial Services, Inc. (CZFS) files with the SEC under industry code 6022, State Commercial Banks. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $2.7 million and net income of $11.9 million. Free cash flow was $5.0 million. As of Sep 30, 2026 it held $504.9 million in cash and investments and $512.5 million in total debt.
Revenue
$2.72M
-1.7% vs year-ago quarter
Net income
$11.92M
+19.2% vs year-ago quarter
Operating cash flow
$5.26M
+83.0% vs year-ago quarter
Free cash flow
$5.03M
+84.1% vs year-ago quarter
EPS
$2.48
+18.7% vs year-ago quarter
Dividend per share
$0.51
+2.0% vs year-ago quarter
Shares outstanding
4.81M
+0.1% vs year-ago quarter
Net cash
$-7.56M
Q3 FY2026
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; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $2.7M | $2.4M | $2.3M | $2.3M | $2.8M |
| Net income | $11.9M | $10.2M | $10.4M | $10.5M | $10.0M |
| Diluted EPS | $2.48 | $2.12 | $2.16 | $2.18 | $2.09 |
| Operating cash flow | $5.3M | -$89,000 | $18.0M | $16.7M | $2.9M |
| Free cash flow | $5.0M | -$376,000 | $17.9M | $16.7M | $2.7M |
| Total assets | $3.4B | $3.2B | $3.0B | $3.1B | $3.1B |
| Total liabilities | $3.1B | $2.8B | $2.7B | $2.7B | $2.7B |
| Stockholders' equity | $351.3M | $352.8M | $343.6M | $338.1M | $327.7M |
| Cash and investments | $504.9M | $530.7M | $481.4M | $479.0M | $482.4M |
| Total debt | $512.5M | $394.0M | $198.7M | $320.2M | $279.6M |
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.