When did Citizens Financial Services, Inc. report Q4 2024 earnings?

Citizens Financial Services, Inc. (CZFS) reported Q4 2024 earnings on January 30, 2025 before market open.

What were Citizens Financial Services, Inc.'s Q4 2024 revenue and EPS?

Citizens Financial Services, Inc. reported revenue of $43.1M and eps of $1.68 for Q4 2024.

Did Citizens Financial Services, Inc. beat estimates in Q4 2024?

EPS beat the consensus estimate of $1.54 by $0.14.

Where can I find Citizens Financial Services, Inc.'s Q4 2024 SEC filings?

You can read the 10-K periodic report (0001140361-25-007274) directly on SEC EDGAR. The filing index links above go to sec.gov.

Citizens Financial Services, Inc. CZFS Q4 2024 Annual earnings

Reported January 30, 2025 · Before market open

Revenue$43.1M

EPS$1.68Beat by $0.14

EPS estimate$1.54

Next report

Date not yet announced

Financials

Q4 2024

Income statement

See full

Revenue$26.2M+3.4%

Net income$8.0M+5.9%

EPS (diluted)$1.66+3.8%

Balance sheet

See full

Cash & equivalents$42.2M-20.1%

Total debt$578.8M-1.7%

Total equity$299.7M+7.2%

Total assets$3.0B+1.7%

Cash flow

See full

Operating cash flow$10.5M-35.3%

CapEx$462.0K+49.5%

Free cash flow$10.0M-37.0%

Valuation & ratios

Valuation

as of 12/31/24

See full

Market cap$301.34M-0.9%

Enterprise value$837.9M-0.2%

P/E10.8×-6.2×

P/S3×-0.4×

Profitability

See full

Net margin27.3%+7.9pp

FCF margin31.3%-11.3pp

Returns & leverage

See full

Return on equity9.6%+2.2pp

Debt / equity1.9×-0.2×

Segments

By segment

See full

Community Banking$43.1M+24.4%

Versus estimates

Revenue

Q1 2026$29.8MBeat by $684.0K Q4 2025$29.6MBeat by $209.0K Q3 2025$44.1M Q2 2025$42.4M Q1 2025$42.4M

Q4 2024$43.1M

Diluted EPS

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

Q4 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

Claude

Questions, answered.

When did Citizens Financial Services, Inc. report Q4 2024 earnings?: Citizens Financial Services, Inc. (CZFS) reported Q4 2024 earnings on January 30, 2025 before market open.
What were Citizens Financial Services, Inc.'s Q4 2024 revenue and EPS?: Citizens Financial Services, Inc. reported revenue of $43.1M and eps of $1.68 for Q4 2024.
Did Citizens Financial Services, Inc. beat estimates in Q4 2024?: EPS beat the consensus estimate of $1.54 by $0.14.
Where can I find Citizens Financial Services, Inc.'s Q4 2024 SEC filings?: You can read the 10-K periodic report (0001140361-25-007274) directly on SEC EDGAR. The filing index links above go to sec.gov.