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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

Oct 29, 2026 (in a month)
Revenue estimate$31.0M
EPS estimate$2.20

Financials

Q2 2025

Income statement

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

Balance sheet

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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

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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

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

Returns & leverage

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

Segments

By segment

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Community Banking$42.4M+2.9%

FAQ

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 8-K earnings release (0000739421-25-000091) and the 10-Q periodic report (0001140361-25-029315) directly on SEC EDGAR. The filing index links above go to sec.gov.