Earnings summaries and quarterly performance for CITIZENS FINANCIAL SERVICES.
Executive leadership at CITIZENS FINANCIAL SERVICES.
Randall E. Black
Detailed
Chief Executive Officer and President
CEO
DZ
David Z. Richards, Jr.
Detailed
Senior Executive Vice President, Director of Emerging Markets
JL
Jeffrey L. Wilson
Detailed
Senior Executive Vice President, Chief Credit Officer
JR
Jeffrey R. White
Detailed
Executive Vice President, Chief Operating Officer
LG
LeeAnn Gephart
Detailed
Executive Vice President, Chief Banking Officer
SJ
Stephen J. Guillaume
Detailed
Executive Vice President and Chief Financial Officer
Board of directors at CITIZENS FINANCIAL SERVICES.
CW
Christopher W. Kunes
Detailed
Director
JM
Janie M. Hilfiger
Detailed
Director
JP
John P. Painter II
Detailed
Director
ML
Mickey L. Jones
Detailed
Director
RJ
R. Joseph Landy
Detailed
Chair of the Board
RA
Rinaldo A. DePaola
Detailed
Lead Independent Director
RW
Robert W. Chappell
Detailed
Director
RC
Roger C. Graham, Jr.
Detailed
Director
TB
Terry B. Osborne
Detailed
Director
TE
Thomas E. Freeman
Detailed
Director
Research analysts covering CITIZENS FINANCIAL SERVICES.
Recent press releases and 8-K filings for CZFS.
Citizens Financial Services Reports Strong Full Year and Fourth Quarter 2025 Financial Results
CZFS
Earnings
Revenue Acceleration/Inflection
- Net income for Citizens Financial Services increased 31.5% year-over-year to $36,572,000 for the full year 2025, with basic earnings per share reaching $7.62. For the fourth quarter of 2025, net income was $10,483,000 and basic EPS was $2.19.
- The company reported an improved net interest margin of 3.50% for 2025, up from 3.13% in 2024, contributing to a 13.4% increase in net interest income before the provision for credit losses, totaling $98,001,000.
- Profitability ratios showed significant improvement, with return on average assets increasing to 1.21% for 2025 (1.37% annualized for Q4 2025) and return on average equity rising to 11.51% for 2025 (12.53% annualized for Q4 2025).
- As of December 31, 2025, total assets stood at $3.06 billion and stockholders' equity was $338.1 million. Non-performing assets increased by $578,000 since December 31, 2024, totaling $29,190,000, but remained 1.24% of total loans.
Jan 29, 2026, 9:18 PM
Citizens Financial Services Inc. Reports Q4 and Full-Year 2025 Financial Results
CZFS
Earnings
- For Q4 2025, Citizens Financial Services Inc. reported diluted EPS of $2.18 and net income of $10.5 million, with a Core Return on Average Tangible Common Equity (ROATCE) of 17.01%. For the full year 2025, diluted EPS was $7.62 and net income reached $36.6 million.
- As of December 31, 2025, the company's balance sheet showed total assets of $3.06 billion, gross loans of $2.35 billion, and deposits of $2.38 billion. Credit quality metrics for Q4 2025 included a Non-Performing Assets (NPAs) to Assets ratio of 0.95% and a Non-Performing Loans (NPLs) to Gross Loans ratio of 1.14%.
- The Tangible Book Value Per Share was $52.02 as of December 31, 2025, and total liquidity sources amounted to $1,392,583 thousand.
Jan 29, 2026, 9:10 PM
Citizens Financial Services Inc. Announces Q4 and Full-Year 2025 Financial Performance
CZFS
Earnings
Revenue Acceleration/Inflection
- Net income for CITIZENS FINANCIAL SERVICES INC. for the full year 2025 was $36,572,000, marking a 31.5% increase over 2024, with basic and diluted earnings per share reaching $7.62.
- For the three months ended December 31, 2025, net income totaled $10,483,000, an increase of $2,500,000 compared to the same period in 2024, and basic earnings per share was $2.19.
- The company's net interest income before the provision for credit losses for 2025 grew by 13.4% to $98,001,000, primarily due to an increase in the net interest margin to 3.50% from 3.13% in 2024.
- Return on average assets for 2025 improved to 1.21% (from 0.93% in 2024), and return on average equity increased to 11.51% (from 9.59% in 2024).
- As of December 31, 2025, total assets were $3.06 billion, while non-performing assets increased by $578,000 since December 31, 2024, to $29,190,000.
Jan 29, 2026, 9:10 PM
Citizens Financial Services Inc. Reports Q3 2025 Financial Results
CZFS
Earnings
Revenue Acceleration/Inflection
- Citizens Financial Services Inc. (CZFS) reported diluted earnings per share of $2.09 and net income of $10.0 million for the third quarter of 2025.
- As of September 30, 2025, the company's total assets were $3.1 billion, with gross loans of $2.3 billion and deposits of $2.4 billion.
- Profitability metrics for Q3 2025 included a Core Return on Average Tangible Common Equity (ROATCE) of 17.29% and a Net Interest Margin of 3.60%.
- Asset quality improved, with the Non-Performing Assets (NPAs) to Assets Ratio at 0.75% and the Non-Performing Loans (NPLs) to Gross Loans Ratio at 0.88% as of September 30, 2025.
- The Tangible Book Value Per Share was $49.83 as of September 30, 2025.
Oct 30, 2025, 3:09 PM
Citizens Financial Services Reports Strong Q3 2025 Earnings
CZFS
Earnings
Revenue Acceleration/Inflection
- Citizens Financial Services (CZFS) reported net income of $10,005,000 for the three months ended September 30, 2025, marking a 32.7% increase compared to the same period in 2024. For the first nine months of 2025, net income was $26,089,000, an increase of 31.5% over the comparable period in 2024.
- This performance translated to basic earnings per share of $2.09 for Q3 2025 and $5.44 for the first nine months of 2025.
- Profitability ratios improved, with annualized return on average assets at 1.33% for Q3 2025 and 1.16% for the nine months ended September 30, 2025. Annualized return on average equity reached 12.52% for Q3 2025 and 11.15% for the nine-month period.
- Net interest income before the provision for credit losses increased by 17.9% to $25,140,000 for Q3 2025 and by 12.9% to $71,790,000 for the first nine months of 2025.
- As of September 30, 2025, total assets stood at $3.06 billion, deposits at $2.41 billion (an increase of $29.2 million from December 31, 2024), and stockholders' equity at $327.7 million (an increase of $27.9 million from December 31, 2024).
Oct 30, 2025, 3:08 PM
Citizens Financial Services Reports Strong Third Quarter and Nine-Month 2025 Financial Results
CZFS
Earnings
Revenue Acceleration/Inflection
- For the three months ended September 30, 2025, Citizens Financial Services reported net income of $10,005,000, an increase of 32.7% from the comparable period in 2024, with basic earnings per share of $2.09. For the first nine months of 2025, net income was $26,089,000, up 31.5% from the same period in 2024, and basic earnings per share was $5.44.
- The company saw improved profitability, with annualized return on average assets reaching 1.33% for Q3 2025 and 1.16% for the nine months ended September 30, 2025, up from 1.01% and 0.89% respectively in 2024. Annualized return on average equity also increased to 12.52% for Q3 2025 and 11.15% for the nine months, compared to 10.31% and 9.23% in the prior year periods.
- Net interest income before the provision for credit losses increased by 17.9% to $25,140,000 for the three months ended September 30, 2025, and by 12.9% to $71,790,000 for the nine months ended September 30, 2025, compared to the respective periods in 2024. The tax-effected net interest margin for the three months ended September 30, 2025, was 3.60%, up from 3.09% in the prior year, and for the nine months, it was 3.44%, up from 3.09%.
- Asset quality improved, with non-performing assets decreasing to $22,994,000 as of September 30, 2025, a 19.6% reduction since December 31, 2024. As a percentage of loans, non-performing assets stood at 0.98% as of September 30, 2025, down from 1.24% at December 31, 2024, and 1.03% at September 30, 2024.
| Metric | As of Sep 30, 2024 | Q3 2024 | YTD Q3 2024 | As of Dec 31, 2024 | Q3 2025 | YTD Q3 2025 | As of Sep 30, 2025 |
|---|---|---|---|---|---|---|---|
| Net Income ($USD Thousands) | N/A | $7,536 | $19,835 | N/A | $10,005 | $26,089 | N/A |
| Basic EPS ($USD) | N/A | $1.57 | $4.14 | N/A | $2.09 | $5.44 | N/A |
| Return on average assets (annualized) (%) | N/A | 1.01% | 0.89% | N/A | 1.33% | 1.16% | N/A |
| Return on average equity (annualized) (%) | N/A | 10.31% | 9.23% | N/A | 12.52% | 11.15% | N/A |
| Net interest income ($USD Thousands) | N/A | $21,324 | $63,582 | N/A | $25,140 | $71,790 | N/A |
| Net interest margin (tax equivalent) (%) | N/A | 3.09% | 3.09% | N/A | 3.60% | 3.44% | N/A |
| Non-performing assets ($USD Thousands) | $24,045 | N/A | N/A | $24,045 | N/A | N/A | $22,994 |
| Non-performing assets to total loans (%) | 1.03% | N/A | N/A | 1.24% | N/A | N/A | 0.98% |
Oct 30, 2025, 12:50 PM
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