Citizens Financial Services, Inc. (CZFS) Earnings History
Profitable33 years of earnings data (1993–2025) · Positive TTM net income
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Citizens Financial Services, Inc. (CZFS) Earnings Overview
As of July 8, 2026, Citizens Financial Services, Inc. (CZFS) reported trailing twelve-month net income of $39M, reflecting +31.6% year-over-year growth. The company earned $8.19 per diluted share over the past four quarters, with a net profit margin of 21.1%.
Looking at the long-term picture, CZFS's 5-year EPS compound annual growth rate (CAGR) stands at +4.0%, reflecting modest earnings expansion. The company achieved its highest annual net income of $37M in fiscal 2025, representing a new all-time high.
Citizens Financial Services, Inc. maintains industry-leading profitability with a gross margin of 63.3%, operating margin of 26.0%, and net margin of 21.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FXNC ($21M net income, 15.8% margin), FUNC ($25M net income, 20.6% margin), NKSH ($18M net income, 18.6% margin), CZFS has outperformed on profitability metrics. Compare CZFS vs FXNC →
CZFS Earnings vs Peers
Earnings metrics vs comparable public companies
CZFS Historical Earnings Data (1993–2025)
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $37M | +31.5% | $45M | $7.62 | 21.1% | 26.0% |
| 2024 | $28M | +56.2% | $34M | $5.79 | 16.5% | 20.0% |
| 2023 | $18M | -38.7% | $22M | $3.98 | 12.8% | 15.5% |
| 2022 | $29M | -0.2% | $35M | $7.10 | 31.2% | 38.1% |
| 2021 | $29M | +16.0% | $35M | $7.09 | 34.0% | 41.3% |
| 2020 | $25M | +28.8% | $30M | $6.27 | 30.7% | 37.2% |
| 2019 | $19M | +8.1% | $23M | $5.26 | 27.7% | 33.1% |
| 2018 | $18M | +38.5% | $21M | $4.84 | 28.0% | 33.2% |
| 2017 | $13M | +3.1% | $19M | $3.49 | 23.0% | 33.6% |
| 2016 | $13M | +8.7% | $16M | $3.36 | 24.8% | 30.8% |
| 2015 | $12M | -13.1% | $14M | $3.37 | 27.0% | 33.3% |
| 2014 | $13M | +0.1% | $17M | $3.87 | 31.4% | 39.7% |
| 2013 | $13M | -5.9% | $17M | $3.85 | 30.6% | 39.2% |
| 2012 | $14M | +10.8% | $19M | $4.09 | 30.9% | 40.3% |
| 2011 | $13M | +11.6% | $16M | $3.62 | 28.4% | 36.4% |
| 2010 | $12M | +16.6% | $15M | $3.23 | 25.4% | 32.4% |
| 2009 | $10M | +42.9% | $13M | $2.76 | 22.2% | 28.2% |
| 2008 | $7M | +2.5% | $8M | $1.93 | 18.0% | 21.2% |
| 2007 | $7M | +16.1% | $9M | $1.85 | 16.4% | 20.7% |
| 2006 | $6M | +10.0% | $7M | $1.58 | 15.4% | 19.3% |
| 2005 | $5M | +0.1% | $7M | $1.42 | 15.8% | 20.8% |
| 2004 | $5M | +8.0% | $7M | $1.38 | 17.0% | 21.8% |
| 2003 | $5M | -12.8% | $6M | $1.30 | 15.8% | 19.9% |
| 2002 | $6M | +48.9% | $7M | $1.49 | 17.3% | 22.7% |
| 2001 | $4M | +17.1% | $5M | $0.99 | 11.3% | 13.6% |
| 2000 | $3M | -9.7% | $4M | $0.85 | 11.1% | 13.3% |
| 1999 | $4M | +1.8% | $5M | $0.93 | 13.6% | 17.6% |
| 1998 | $3M | -9.0% | $5M | $0.90 | 24.2% | 34.9% |
| 1997 | $4M | +27.6% | $6M | $1.00 | 26.8% | 38.6% |
| 1996 | $3M | +6.0% | $4M | $0.78 | 24.1% | 34.6% |
| 1995 | $3M | +8.0% | $4M | $0.74 | 25.2% | 35.5% |
| 1994 | $3M | +8.3% | $4M | $0.68 | 28.1% | 40.5% |
| 1993 | $2M | - | $3M | $0.63 | 26.3% | 36.1% |
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CZFS — Frequently Asked Questions
Quick answers to the most common questions about buying CZFS stock.
What is CZFS earnings per share (EPS)?
CZFS trailing twelve-month (TTM) diluted EPS is $8.19, reflecting +31.6% year-over-year growth. The 5-year EPS CAGR is +4.0%. Complete EPS history from 1993 to 2025 is available in the table on this page.
What is Citizens Financial Services, Inc.'s net income?
Citizens Financial Services, Inc. (CZFS) trailing twelve-month net income is $39M as of 2025. Earnings grew +31.6% year-over-year. Citizens Financial Services, Inc. has been profitable for 33 consecutive years.
Is CZFS profitable?
Yes, CZFS is profitable with a TTM net income of $39M and a net profit margin of +21.1%. Citizens Financial Services, Inc. has generated profits for 33 consecutive years.
What is CZFS's earnings growth rate?
CZFS compound annual EPS growth rates (CAGR): 1-Year: +31.6%, 3-Year: +2.4%, 5-Year: +4.0%, 10-Year: +8.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1993 to 2025.
What are CZFS's profit margins?
Citizens Financial Services, Inc. net profit margin is +21.1%, operating margin is +26.0%, and gross margin is +63.3%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.5%.
Is CZFS growing earnings?
Yes, CZFS earnings are accelerating — EPS growth of +31.6% exceeds the 5-year CAGR of +4.0%. TTM net income reached $39M. Earnings momentum is strengthening.
What was CZFS's best earnings year?
Citizens Financial Services, Inc.'s highest annual net income on record is $37M, achieved in fiscal year 2025. Earnings history on this page spans 1993 to 2025 and includes all annual and quarterly figures.
What were CZFS's earnings last quarter?
CZFS's most recent reported quarter was Q1 2026. Net income was $10M with diluted EPS of $2.16. For a full breakdown of all quarters, see the quarterly earnings table on this page.