Skip to content
OpenCapital
Get started

Citizens Financial Services, Inc. CZFS Q2 2025 earnings

Reported July 30, 2025 · Before market open

Revenue$42.4M
EPS$1.76Beat by $0.14
EPS estimate$1.62

Next report

Date not yet announced

Financials

Q2 2025

Income statement

See full
Revenue$27.3M+10.9%
Net income$8.5M+60.4%
EPS (diluted)$1.76+60.0%

Balance sheet

See full
Cash & equivalents$49.5M+28.8%
Total debt$313.2M-6.5%
Total equity$313.7M+9.5%
Total assets$3.0B+0.7%

Cash flow

See full
Operating cash flow$6.0M+98.0%
CapEx$495.0K+290%
Free cash flow$5.5M+89.6%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$278.68M+31.9%
Enterprise value$542.41M+6.8%
P/E8.8×+1.1×
P/S2.7×+0.6×

Profitability

See full
Net margin30.1%+3.2pp
FCF margin30%-8.5pp

Returns & leverage

See full
Return on equity10.5%+0.6pp
Debt / equity1×-0.2×

Segments

By segment

See full
Community Banking$42.4M+2.9%

Versus estimates

Revenue

Q1 2026$29.8MBeat by $684.0KQ4 2025$29.6MBeat by $209.0KQ3 2025$44.1M
Q2 2025$42.4M
Q1 2025$42.4MQ4 2024$43.1M

Diluted EPS

Q1 2026$2.16Beat by $0.18Q4 2025$2.18Beat by $0.11Q3 2025$2.09Beat by $0.33
Q2 2025$1.76Beat by $0.14
Q1 2025$1.60Beat by $0.11Q4 2024$1.68Beat by $0.14

Ask the moment Citizens Financial Services, Inc. reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Citizens Financial Services, Inc. report Q2 2025 earnings?
Citizens Financial Services, Inc. (CZFS) reported Q2 2025 earnings on July 30, 2025 before market open.
What were Citizens Financial Services, Inc.'s Q2 2025 revenue and EPS?
Citizens Financial Services, Inc. reported revenue of $42.4M and eps of $1.76 for Q2 2025.
Did Citizens Financial Services, Inc. beat estimates in Q2 2025?
EPS beat the consensus estimate of $1.62 by $0.14.
How did Citizens Financial Services, Inc.'s Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 72.2% from $24.6M a year earlier and eps grew 35.4% from $1.30.
Where can I find Citizens Financial Services, Inc.'s Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001140361-25-029315) directly on SEC EDGAR. The filing index links above go to sec.gov.