Filing Flows › Citizens Financial Services (CZFS) › Q3 2026 › vs Q3 2025
Citizens Financial Services (CZFS) Q3 2026 vs Q3 2025 (year over year)
Citizens Financial Services's revenue rose $2.6M (+9%) from $29.0M in Q3 2025 to $31.6M in Q3 2026. The biggest changes: Net interest income +$2.1M (+8%); Noninterest income +$454K (+12%). Operating margin 46.1% against 42.8% (+3.3 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 46.1% | 42.8% | +3.3 pts |
| Net margin | 37.8% | 34.5% | +3.3 pts |
| Free cash flow margin | 15.9% | 9.4% | +6.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $27.3M | $25.1M | $2.1M | +8% |
| Noninterest income | $4.3M | $3.9M | $454K | +12% |
| Revenue | $31.6M | $29.0M | $2.6M | +9% |
| Operating profit | $14.5M | $12.4M | $2.1M | +17% |
| Costs & expenses | $17.0M | $16.6M | $440K | +3% |
| Pre-tax earnings | $14.5M | $12.4M | $2.1M | +17% |
| Net earnings | $11.9M | $10.0M | $1.9M | +19% |
| Income tax | $2.6M | $2.4M | $215K | +9% |
| Depreciation & amortization | $417K | $493K | −$76K | -15% |
| Working capital & other | $7.1M | $7.6M | −$545K | -7% |
| Operating cash flow | $5.3M | $2.9M | $2.4M | +83% |
| Free cash flow (OCF − capex) | $5.0M | $2.7M | $2.3M | +84% |
| Capital expenditures | $234K | $145K | $89K | +61% |
Questions
How much did Citizens Financial Services's revenue grow year over year in Q3 2026?
Citizens Financial Services's revenue rose $2.6M (+9%) from $29.0M in Q3 2025 to $31.6M in Q3 2026.
What drove Citizens Financial Services's revenue change in Q3 2026?
Net interest income +$2.1M (+8%); Noninterest income +$454K (+12%).