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Citizens Financial Services, Inc. CZFS Q3 2025 earnings

Reported October 30, 2025 · Before market open

Revenue$44.1M
EPS$2.09Beat by $0.33
EPS estimate$1.76

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$29.0M+15.6%
Net income$10.0M+32.8%
EPS (diluted)$2.09+33.1%

Balance sheet

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Cash & equivalents$31.1M-15.5%
Total debt$279.6M+20.7%
Total equity$327.7M+9.7%
Total assets$3.1B+1.0%

Cash flow

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Operating cash flow$2.9M-53.8%
CapEx$145.0K-76.8%
Free cash flow$2.7M-51.2%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$289.78M+3.9%
Enterprise value$538.3M+13.6%
P/E8.5×-1.7×
P/S2.7×-0.1×

Profitability

See full
Net margin31.3%+4.2pp
FCF margin26.3%-11.1pp

Returns & leverage

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Return on equity10.9%+1.1pp
Debt / equity0.9×+0.1×

Segments

By segment

See full
Community Banking$44.1M+3.9%

FAQ

When did Citizens Financial Services, Inc. report Q3 2025 earnings?
Citizens Financial Services, Inc. (CZFS) reported Q3 2025 earnings on October 30, 2025 before market open.
What were Citizens Financial Services, Inc.'s Q3 2025 revenue and EPS?
Citizens Financial Services, Inc. reported revenue of $44.1M and eps of $2.09 for Q3 2025.
Did Citizens Financial Services, Inc. beat estimates in Q3 2025?
EPS beat the consensus estimate of $1.76 by $0.33.
How did Citizens Financial Services, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 75.9% from $25.1M a year earlier and eps grew 31.4% from $1.59.
Where can I find Citizens Financial Services, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0000739421-25-000113) and the 10-Q periodic report (0001140361-25-040779) directly on SEC EDGAR. The filing index links above go to sec.gov.