Citizens Financial Services Inc
CZFS
NASDAQ
Banking
$77.52
USD
+1.14 (+1.49%)
At close: Jul 31, 2026, 4:00 PM EDT
Market Cap $367.00M
Volume 28.8K
Revenue
$175.04M
TTM
+3.4%
YoY
Gross Margin
66%
TTM
+9.3%
YoY
Net Income
$39.33M
TTM
+38.4%
YoY
Operating Cash Flow
$43.61M
TTM
+42.2%
YoY
Revenue & Net Income
USD Millions
Margins Trend
Percent of revenue
Income Statement Detail
USD Millions, except per-share and share count figures
Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|
Revenue | 42.4 | 42.4 | 44.1 | 44.5 | 44.0 |
YoY Growth | -1.1% | +2.9% | +3.9% | +3.3% | +3.6% |
Cost of Revenue | 16.0 | 15.1 | 15.1 | 14.9 | 14.2 |
Gross Profit | 26.4 | 27.3 | 29.0 | 29.6 | 29.8 |
Selling, General & Administrative | 2.6 | 2.5 | 2.5 | 1.3 | 2.7 |
Other Operating Expenses | 3.5 | 3.7 | 3.7 | 5.6 | 3.6 |
Total Operating Expenses | 16.4 | 16.1 | 16.1 | 16.0 | 16.6 |
Operating Income | 9.4 | 10.4 | 12.4 | 13.1 | 12.7 |
EBITDA | 9.4 | 10.4 | 12.4 | 13.1 | 12.7 |
Other Income / Expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Total Other Income / Expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Income Before Income Taxes | 9.4 | 10.4 | 12.4 | 13.1 | 12.7 |
Income Taxes | 1.8 | 2.0 | 2.4 | 2.6 | 2.3 |
Net Income | 7.6 | 8.5 | 10.0 | 10.5 | 10.4 |
Consolidated Net Income / Loss | 7.6 | 8.5 | 10.0 | 10.5 | 10.4 |
Net Income Attributable to Common Shareholders | 7.6 | 8.5 | 10.0 | 10.5 | 10.4 |
Basic EPS | $1.59 | $1.76 | $2.09 | $2.18 | $2.16 |
Diluted EPS | $1.59 | $1.76 | $2.09 | $2.18 | $2.16 |
Basic Shares Outstanding | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M |
Diluted Shares Outstanding | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M |