Filing Flows › Citizens Financial Services (CZFS) › Q2 2026 › vs Q2 2025
Citizens Financial Services (CZFS) Q2 2026 vs Q2 2025 (year over year)
Citizens Financial Services's revenue rose $2.4M (+9%) from $27.3M in Q2 2025 to $29.7M in Q2 2026. Operating margin 41.5% against 38.1% (+3.4 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 Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 41.5% | 38.1% | +3.4 pts |
| Net margin | 34.3% | 31.0% | +3.3 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $29.7M | $27.3M | $2.4M | +9% |
| Operating profit | $12.3M | $10.4M | $1.9M | +18% |
| Costs & expenses | $17.4M | $16.9M | $470K | +3% |
| Pre-tax earnings | $12.3M | $10.4M | $1.9M | +18% |
| Credit loss provision | $500K | $750K | −$250K | -33% |
| Noninterest expense | $16.9M | $16.1M | $720K | +4% |
| Net earnings | $10.2M | $8.5M | $1.7M | +20% |
| Income tax | $2.2M | $2.0M | $201K | +10% |
| Operating cash sources | $10.7M | $3.0M | $7.8M | +263% |
| Depreciation & amortization | $444K | $472K | −$28K | -6% |
| Cash used in operations | $89K | −$6.0M | $6.1M | — |
| Working capital & other | $10.7M | $3.0M | $7.8M | +263% |
Questions
How much did Citizens Financial Services's revenue grow year over year in Q2 2026?
Citizens Financial Services's revenue rose $2.4M (+9%) from $27.3M in Q2 2025 to $29.7M in Q2 2026. Operating margin 41.5% against 38.1% (+3.4 pts).