Filing Flows › Citizens Financial Services (CZFS) › Q2 2026 › vs Q1 2026
Citizens Financial Services (CZFS) Q2 2026 vs Q1 2026 (quarter over quarter)
Citizens Financial Services's revenue fell $95K (-0.3%) from $29.8M in Q1 2026 to $29.7M in Q2 2026. Operating margin 41.5% against 42.6% (-1.1 pts).
Citizens Financial Services, Q2 2026: revenue $29.7M (+9% year over year), operating margin 41.5%, net earnings $10.2M, operating cash flow −$89K. The chart draws each line against Q1 2026, the increases inside each band.
Margins
| Q2 2026 | Q1 2026 | Change | |
|---|---|---|---|
| Operating margin | 41.5% | 42.6% | -1.1 pts |
| Net margin | 34.3% | 34.8% | -0.5 pts |
Every line
| Line | Q2 2026 | Q1 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $29.7M | $29.8M | −$95K | -0.3% |
| Operating profit | $12.3M | $12.7M | −$361K | -3% |
| Costs & expenses | $17.4M | $17.1M | $266K | +2% |
| Pre-tax earnings | $12.3M | $12.7M | −$361K | -3% |
| Credit loss provision | $500K | $500K | $0 | 0% |
| Noninterest expense | $16.9M | $16.6M | $266K | +2% |
| Net earnings | $10.2M | $10.4M | −$189K | -2% |
| Income tax | $2.2M | $2.3M | −$172K | -7% |
| Operating cash sources | $10.7M | −$7.2M | $17.9M | — |
| Depreciation & amortization | $444K | $470K | −$26K | -6% |
| Cash used in operations | $89K | −$18.0M | $18.1M | — |
| Working capital & other | $10.7M | −$7.2M | $17.9M | — |
Questions
How much did Citizens Financial Services's revenue grow quarter over quarter in Q2 2026?
Citizens Financial Services's revenue fell $95K (-0.3%) from $29.8M in Q1 2026 to $29.7M in Q2 2026. Operating margin 41.5% against 42.6% (-1.1 pts).