Filing Flows › Citizens Financial Services (CZFS) › Q3 2025
Citizens Financial Services (CZFS) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Citizens Financial Services (CZFS) reported revenue of $29.0M for the third quarter 2025 (Q3 2025), +16% from a year earlier and +6% from the quarter before. Operating margin was 42.6%, net earnings $10.0M (34.5% of revenue).
Citizens Financial Services, Q3 2025: revenue $29.0M (+16% year over year), operating margin 42.6%, net earnings $10.0M, operating cash flow $2.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $29.0M | +6% | +16% |
| Operating profit | $12.4M | +19% | +34% |
| Net earnings | $10.0M | +18% | +33% |
| Operating cash flow | $2.9M | -52% | -54% |
| Free cash flow | $2.7M | -50% | -51% |
What changed
Revenue was $29.0M in Q3 2025, up 16% year over year and up 6% from the previous quarter.
Operating profit was $12.4M, a 42.6% margin (up 5.7 points year over year). Of the extra revenue versus a year earlier, 79% reached operating profit, above the 37% margin then. Total costs grew 5% against revenue growth of 16%. Net earnings were $10.0M, up 33% year over year. The effective tax rate was 19.1%.
Operating cash flow was $2.9M (down 54% year over year), 29% of net earnings. Non-cash charges added back $493K of depreciation and amortization. Working capital and other items used $7.6M. Capital expenditures of $145K left free cash flow of $2.7M.
Questions
What was Citizens Financial Services' revenue in the third quarter 2025?
Citizens Financial Services (CZFS) reported revenue of $29.0M for the third quarter 2025 (Q3 2025), +16% from a year earlier and +6% from the quarter before.
Was Citizens Financial Services profitable in the third quarter 2025?
Operating profit was $12.4M (42.6% of revenue) and net earnings $10.0M.