Filing Flows › Citizens Financial Services (CZFS) › Q2 2025
Citizens Financial Services (CZFS) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
Citizens Financial Services (CZFS) reported revenue of $27.3M for the second quarter 2025 (Q2 2025), +11% from a year earlier and +3% from the quarter before. Operating margin was 38.1%, net earnings $8.5M (31.0% of revenue).
Citizens Financial Services, Q2 2025: revenue $27.3M (+11% year over year), operating margin 38.1%, net earnings $8.5M, operating cash flow $6.0M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $27.3M | +3% | +11% |
| Operating profit | $10.4M | +11% | +63% |
| Net earnings | $8.5M | +11% | +60% |
| Operating cash flow | $6.0M | -45% | +98% |
| Free cash flow | $5.5M | -47% | +90% |
What changed
Revenue was $27.3M in Q2 2025, up 11% year over year and up 3% from the previous quarter.
Operating profit was $10.4M, a 38.1% margin (up 12.2 points year over year). Of the extra revenue versus a year earlier, 150% reached operating profit, above the 26% margin then. Total costs fell 7% while revenue rose 11%. Net earnings were $8.5M, up 60% year over year. The effective tax rate was 18.8%.
Operating cash flow was $6.0M (up 98% year over year), 71% of net earnings. Non-cash charges added back $472K of depreciation and amortization. Working capital and other items used $3.0M. Capital expenditures of $495K left free cash flow of $5.5M.
Questions
What was Citizens Financial Services' revenue in the second quarter 2025?
Citizens Financial Services (CZFS) reported revenue of $27.3M for the second quarter 2025 (Q2 2025), +11% from a year earlier and +3% from the quarter before.
Was Citizens Financial Services profitable in the second quarter 2025?
Operating profit was $10.4M (38.1% of revenue) and net earnings $8.5M.