Filing Flows › Citizens Financial Services (CZFS) › Q3 2026
Citizens Financial Services (CZFS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Citizens Financial Services (CZFS) reported revenue of $31.6M for the third quarter 2026 (Q3 2026), +9% from a year earlier and +6% from the quarter before. Operating margin was 46.1%, net earnings $11.9M (37.8% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $31.6M | +6% | +9% |
| Operating profit | $14.5M | +18% | +17% |
| Net earnings | $11.9M | +17% | +19% |
| Operating cash flow | $5.3M | — | +83% |
| Free cash flow | $5.0M | — | +84% |
What changed
Revenue was $31.6M in Q3 2026, up 9% year over year and up 6% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $2.1M year over year (up 8%), 82% of the total change.
Operating profit was $14.5M, a 46.1% margin (up 3.3 points year over year). Of the extra revenue versus Q3 2025, 83% reached operating profit, above the 43% margin then. Total costs grew 3% against revenue growth of 9%. Net earnings were $11.9M, up 19% year over year. The effective tax rate was 18.0%.
Operating cash flow was $5.3M (up 83% year over year), 44% of net earnings. Non-cash charges added back $417K of depreciation and amortization. Working capital and other items used $7.1M. Capital expenditures of $234K left free cash flow of $5.0M.
Questions
What was Citizens Financial Services' revenue in the third quarter 2026?
Citizens Financial Services (CZFS) reported revenue of $31.6M for the third quarter 2026 (Q3 2026), +9% from a year earlier and +6% from the quarter before.
Was Citizens Financial Services profitable in the third quarter 2026?
Operating profit was $14.5M (46.1% of revenue) and net earnings $11.9M.