# Citizens Financial Services Inc: overview

CZFS · Nasdaq · CIK 739421 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/czfs.md) · [Financials](/companies/czfs/financials.md) · [Filings](/companies/czfs/filings.md) · [Insiders](/companies/czfs/insiders.md)

Latest reported revenue: [$2.4m](/filings/0001140361-26-031479.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 6, 2026 (XBRL us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, accession 0001140361-26-031479).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [2.5](/filings/0001140361-25-040779.md) | [2.3 d](/filings/0001140361-26-009103.md) | [2.4](/filings/0001140361-26-019398.md) | [2.4](/filings/0001140361-26-031479.md) | [2.8](/filings/0001140361-25-040779.md) | [2.3 d](/filings/0001140361-26-009103.md) | [2.3](/filings/0001140361-26-019398.md) | [2.4](/filings/0001140361-26-031479.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [300.2%](/filings/0001140361-25-040779.md) | [347.4% d](/filings/0001140361-26-009103.md) | [312.5%](/filings/0001140361-26-019398.md) | [357.5%](/filings/0001140361-26-031479.md) | [361.1%](/filings/0001140361-25-040779.md) | [455.2% d](/filings/0001140361-26-009103.md) | [444.0%](/filings/0001140361-26-019398.md) | [417.0%](/filings/0001140361-26-031479.md) |
| Diluted EPS | $ per share | [1.57](/filings/0001140361-25-040779.md) | not reported | [1.59](/filings/0001140361-26-019398.md) | [1.76](/filings/0001140361-26-031479.md) | [2.09](/filings/0001140361-25-040779.md) | not reported | [2.16](/filings/0001140361-26-019398.md) | [2.12](/filings/0001140361-26-031479.md) |
| Free cash flow | $m | [5.6 d](/filings/0001140361-25-040779.md) | [10.0 d](/filings/0001140361-26-009103.md) | [10.4](/filings/0001140361-26-019398.md) | [5.5 d](/filings/0001140361-26-031479.md) | [2.7 d](/filings/0001140361-25-040779.md) | [16.7 d](/filings/0001140361-26-009103.md) | [17.9](/filings/0001140361-26-019398.md) | [(0.4) d](/filings/0001140361-26-031479.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [7.7](/filings/0001140361-24-011948.md) | [8.6](/filings/0001140361-25-007274.md) | [9.0](/filings/0001140361-26-009103.md) | [9.6](/filings/0001140361-26-009103.md) | [9.9](/filings/0001140361-26-009103.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [376.3%](/filings/0001140361-24-011948.md) | [338.4%](/filings/0001140361-25-007274.md) | [198.5%](/filings/0001140361-26-009103.md) | [289.5%](/filings/0001140361-26-009103.md) | [370.1%](/filings/0001140361-26-009103.md) |
| Diluted EPS | $ per share | [7.24](/filings/0001140361-24-011948.md) | [7.17](/filings/0001140361-25-007274.md) | [3.98](/filings/0001140361-26-009103.md) | [5.79](/filings/0001140361-26-009103.md) | [7.62](/filings/0001140361-26-009103.md) |
| Free cash flow | $m | [37.6](/filings/0001140361-24-011948.md) | [31.6](/filings/0001140361-25-007274.md) | [23.9](/filings/0001140361-26-009103.md) | [31.9](/filings/0001140361-26-009103.md) | [35.2](/filings/0001140361-26-009103.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/czfs/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $25.7m | 354,551 |  | Added +23,257 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $14.5m | 200,789 |  | Reduced −912 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $8.7m | 119,810 |  | Added +7,348 |
| [CITIZENS & NORTHERN CORP](/funds/810958.md) | 2026-06-30 | $8.5m | 117,063 |  | Unchanged |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $6.7m | 92,835 |  | Reduced −1,095 |
| [Hudock, Inc.](/funds/1543536.md) | 2026-06-30 | $5.7m | 78,092 |  | Added +37,305 |
| [AMERICAN CENTURY COMPANIES INC](/funds/748054.md) | 2026-06-30 | $3.2m | 44,108 |  | Reduced −78 |
| [CHARLES SCHWAB INVESTMENT MANAGEMENT INC](/funds/884546.md) | 2026-06-30 | $2.8m | 38,696 |  | Added +1,080 |
| [NORTHERN TRUST CORP](/funds/73124.md) | 2026-06-30 | $2.7m | 37,370 |  | Added +283 |
| [VANGUARD FIDUCIARY TRUST CO](/funds/933478.md) | 2026-06-30 | $2.3m | 32,192 |  | Added +1,646 |

## Recent filings

[All 1,611 filings](/companies/czfs/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-30 | 07:00 ET | [8-K](/filings/0000739421-26-000092.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0000739421-26-000092 |
| 2026-08-06 | 06:02 ET | [10-Q](/filings/0001140361-26-031479.md) | Quarterly report, period 2026-06-30 | 0001140361-26-031479 |
| 2026-07-30 | 07:00 ET | [8-K](/filings/0000739421-26-000071.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0000739421-26-000071 |
| 2026-06-22 | 07:30 ET | [8-K](/filings/0000739421-26-000059.md) | 5.02 Departure or appointment of officers or directors | 0000739421-26-000059 |
| 2026-05-07 | 06:05 ET | [10-Q](/filings/0001140361-26-019398.md) | Quarterly report, period 2026-03-31 | 0001140361-26-019398 |
| 2026-04-29 | 07:00 ET | [8-K](/filings/0000739421-26-000028.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000739421-26-000028 |
| 2026-04-29 | 07:00 ET | [8-K](/filings/0000739421-26-000027.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0000739421-26-000027 |
| 2026-04-22 | 16:10 ET | [8-K](/filings/0000739421-26-000024.md) | 5.02 Departure or appointment of officers or directors; 5.07 Shareholder vote results; 8.01 Other events; 9.01 Financial statements and exhibits | 0000739421-26-000024 |
| 2026-04-21 | 07:30 ET | [8-K](/filings/0000739421-26-000021.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000739421-26-000021 |
| 2026-03-12 | 06:06 ET | [DEF 14A](/filings/0001140361-26-009104.md) | Proxy statement, period 2026-04-21 | 0001140361-26-009104 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001140361-26-009103.md), filed Mar 12, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, is open for forecasts until the first results filing for it is accepted by EDGAR. Results are due by \[object Promise\]. [Forecast this quarter](/leagues/2026q3/targets/2607a979-a388-4104-9b39-238ae92590f8)

## About the filer

- CIK: 739421
- Tickers: CZFS
- Exchange: Nasdaq
- SIC code: 6022 State Commercial Banks
- State of incorporation: PA
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 30, 2026, 07:01 ET. No prices; not investment advice.