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Citizens Financial Services (CZFS) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Citizens Financial Services (CZFS) Q3 2026 earnings results →

Q3 2026 Revenue up 9% year over year to $31.6M · 38¢ of every $1 of revenue kept as net profit · operating margin 46.1%

Citizens Financial Services made $31.6M in Q3 2026 (+9% Y/Y): Net interest income $27.3M, Noninterest income $4.3M. Operating margin 46.1%, net earnings $11.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$31.6M
Year over year+9%
Operating margin46.1%
Net earnings$11.9M
Operating cash flow$5.3M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $31.6M in Q3 2026, up 9% year over year and up 6% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $2.1M year over year (up 8%), 82% of the total change.

Operating profit was $14.5M, a 46.1% margin (up 3.3 points year over year). Of the extra revenue versus Q3 2025, 83% reached operating profit, above the 43% margin then. Total costs grew 3% against revenue growth of 9%. Net earnings were $11.9M, up 19% year over year. The effective tax rate was 18.0%.

Operating cash flow was $5.3M (up 83% year over year), 44% of net earnings. Non-cash charges added back $417K of depreciation and amortization. Working capital and other items used $7.1M. Capital expenditures of $234K left free cash flow of $5.0M.

Quarterly history

Citizens Financial Services revenue by quarterCitizens Financial Services revenue by quarter$26.4MQ1 2025$27.3MQ2 2025$29.0MQ3 2025$29.6MQ4 2025$29.8MQ1 2026$29.7MQ2 2026$31.6MQ3 2026
Citizens Financial Services net earnings by quarterCitizens Financial Services net earnings by quarter$7.6MQ1 2025$8.5MQ2 2025$10.0MQ3 2025$10.5MQ4 2025$10.4MQ1 2026$10.2MQ2 2026$11.9MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$31.6M+9%46.1%$11.9M$5.3M
Q2 202610-QAug 6, 2026$29.7M+9%41.5%$10.2M−$89K
Q1 202610-QMay 7, 2026$29.8M+13%42.6%$10.4M$18.0M
Q4 202510-KMar 12, 2026$29.6M+13%44.2%$10.5M$16.7M
Q3 202510-QNov 6, 2025$29.0M+16%42.6%$10.0M$2.9M
Q2 202510-QAug 7, 2025$27.3M+11%38.1%$8.5M$6.0M
Q1 202510-QMay 8, 2025$26.4M+2%35.7%$7.6M$10.9M

Charts

Citizens Financial Services: revenue growth, year over year and quarter over quarterCitizens Financial Services: revenue growth, year over year and quarter over quarterY/YQ/Q+2%Q1 2025+11%+3%Q2 2025+16%+6%Q3 2025+13%+2%Q4 2025+13%+1%Q1 2026+9%0%Q2 2026+9%+6%Q3 2026
Latest (Q3 2026): Y/Y +9%, Q/Q +6%.
Citizens Financial Services: where the cash came from (+) and went (−), TTM to Q3 2026Citizens Financial Services: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$364MNet borrowing (+) / repaid (−)$233MOther financing$98.0MOperating cash flow$39.9MDividends−$9.7MCash drawn (+) / kept (−)$3.7MCapital spending−$717KBuybacks−$303KShares issued$72KAsset & business sales−$1K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Citizens Financial Services: profit against cash, quarter by quarterCitizens Financial Services: profit against cash, quarter by quarterNet incomeOperating cash flow$8.0M$10.5MQ4 2024$7.6M$10.9MQ1 2025$8.5M$6.0MQ2 2025$10.0M$2.9MQ3 2025$10.5M$16.7MQ4 2025$10.4M$18.0MQ1 2026$10.2M−$89KQ2 2026$11.9M$5.3MQ3 2026
Latest (Q3 2026): Net income $11.9M, Operating cash flow $5.3M.
Citizens Financial Services: diluted shares by fiscal yearCitizens Financial Services: diluted shares by fiscal year4MFY20204MFY20214MFY20224MFY20235MFY20245MFY2025
+24.8% since FY2020: more shares outstanding (issuance, stock pay).
Citizens Financial Services: long-term debt falling due (FY2025)Citizens Financial Services: long-term debt falling due (FY2025)$282M2026$27.1MLater
Cash $34.3M, short-term investments —, long-term debt — at 2025-12-31.
Citizens Financial Services in its industry: growth against margin (133 companies, SIC 6022)Citizens Financial Services in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTCIVBFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFCZFS (+9%, 46%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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Citizens Financial Services against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +9% against the peers' median +10%. Operating margin: 46.1% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
CZFS Citizens Financial ServicesQ3 2026$31.6M+9%46.1%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Citizens Financial Services 10-Q on SEC EDGAR · CIK 739421 · State Commercial Banks

Guidance and outlook

Citizens Financial Services: what its forward-looking statements are about (10-Q filed 2026-11-05)Citizens Financial Services: what its forward-looking statements are about (10-Q filed 2026-11-05)Other6Capital spending1Supply chain1Legal & regulation1Deals1Financing1Demand1
12 statements; tone +0.08 (−1 all cautious, +1 all confident); 1 hedged.
Citizens Financial Services: outlook statements against the filing beforeCitizens Financial Services: outlook statements against the filing beforeConfident2Cautious1

13F: who owns CZFS and who is buying

Largest holders of CZFS (13F)Largest holders of CZFS (13F)BlackRock$25.7MVanguard Capital Management LLC$14.5MVanguard Group$14.4MGeode Capital Management, LLC$8.7MCitizens & Northern$8.5MState Street$6.7MHudock$6.3MAmerican Century Companies$3.2MCharles Schwab Investment Managem…$2.8MNorthern Trust$2.7M
Funds' net buying of CZFS by quarter (13F)Funds' net buying of CZFS by quarter (13F)$522K2024-09$2.0M2024-12$223K2025-03−$42.7M2025-06$780K2025-09$4.0M2025-12$1.4M2026-03$6.1M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on CZFS

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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