Filing Flows › Citizens Financial Services (CZFS) › Q3 2026 › vs Q2 2026
Citizens Financial Services (CZFS) Q3 2026 vs Q2 2026 (quarter over quarter)
Citizens Financial Services's revenue rose $1.9M (+6%) from $29.7M in Q2 2026 to $31.6M in Q3 2026. The biggest changes: Net interest income +$1.6M (+6%); Noninterest income +$294K (+7%). Operating margin 46.1% against 41.5% (+4.5 pts).
Citizens Financial Services, Q3 2026: revenue $31.6M (+9% year over year), operating margin 46.1%, net earnings $11.9M, operating cash flow $5.3M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 46.1% | 41.5% | +4.5 pts |
| Net margin | 37.8% | 34.3% | +3.5 pts |
| Free cash flow margin | 15.9% | -1.3% | +17.2 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Net interest income | $27.3M | $25.7M | $1.6M | +6% |
| Noninterest income | $4.3M | $4.0M | $294K | +7% |
| Revenue | $31.6M | $29.7M | $1.9M | +6% |
| Operating profit | $14.5M | $12.3M | $2.2M | +18% |
| Costs & expenses | $17.0M | $17.4M | −$343K | -2% |
| Pre-tax earnings | $14.5M | $12.3M | $2.2M | +18% |
| Net earnings | $11.9M | $10.2M | $1.7M | +17% |
| Income tax | $2.6M | $2.2M | $466K | +22% |
| Depreciation & amortization | $417K | $444K | −$27K | -6% |
| Working capital & other | $7.1M | $10.7M | −$3.6M | -34% |
| Operating cash flow | $5.3M | −$89K | $5.3M | — |
| Free cash flow (OCF − capex) | $5.0M | −$376K | $5.4M | — |
| Capital expenditures | $234K | $287K | −$53K | -18% |
Questions
How much did Citizens Financial Services's revenue grow quarter over quarter in Q3 2026?
Citizens Financial Services's revenue rose $1.9M (+6%) from $29.7M in Q2 2026 to $31.6M in Q3 2026.
What drove Citizens Financial Services's revenue change in Q3 2026?
Net interest income +$1.6M (+6%); Noninterest income +$294K (+7%).