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Citizens Financial Services, Inc. CZFS Q4 2025 Annual earnings

Reported January 30, 2026 · After market close

Revenue$29.6MBeat by $209.0K
EPS$2.18Beat by $0.11
Revenue estimate$29.4M
EPS estimate$2.07

Next report

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

Financials

Q4 2025

Income statement

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Revenue$29.6M+13.0%
Net income$10.5M+31.3%
EPS (diluted)$2.18+31.3%

Balance sheet

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Cash & equivalents$34.3M-18.7%
Total debt$602.5M+4.1%
Total equity$338.1M+12.8%
Total assets$3.1B+1.3%

Cash flow

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Operating cash flow$16.7M+59.6%
CapEx$71.0K-84.6%
Free cash flow$16.7M+66.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$274.06M-9.1%
Enterprise value$842.29M+0.5%
P/E7.5×-3.3×
P/S2.4×-0.5×

Profitability

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Net margin32.6%+5.2pp
FCF margin31.4%+0.1pp

Returns & leverage

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Return on equity11.5%+1.9pp
Debt / equity1.8×-0.1×

Segments

By segment

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Community Banking$44.5M+3.3%

FAQ

When did Citizens Financial Services, Inc. report Q4 2025 earnings?
Citizens Financial Services, Inc. (CZFS) reported Q4 2025 earnings on January 30, 2026 after market close.
What were Citizens Financial Services, Inc.'s Q4 2025 revenue and EPS?
Citizens Financial Services, Inc. reported revenue of $29.6M and eps of $2.18 for Q4 2025.
Did Citizens Financial Services, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $29.4M by $209.0K. EPS beat the consensus estimate of $2.07 by $0.11.
How did Citizens Financial Services, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 31.4% from $43.1M a year earlier and eps grew 29.8% from $1.68.
Where can I find Citizens Financial Services, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0000739421-26-000010) and the 10-K periodic report (0001140361-26-009103) directly on SEC EDGAR. The filing index links above go to sec.gov.