Filing Flows › Citizens Financial Services (CZFS) › Q4 2025
Citizens Financial Services (CZFS) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 12, 2026
Citizens Financial Services (CZFS) reported revenue of $29.6M for the fourth quarter 2025 (Q4 2025), +13% from a year earlier and +2% from the quarter before. Operating margin was 44.2%, net earnings $10.5M (35.4% of revenue).
Citizens Financial Services, Q4 2025: revenue $29.6M (+13% year over year), operating margin 44.2%, net earnings $10.5M, operating cash flow $16.7M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $29.6M | +2% | +13% |
| Operating profit | $13.1M | +6% | +34% |
| Net earnings | $10.5M | +5% | +31% |
| Operating cash flow | $16.7M | +482% | +60% |
| Free cash flow | $16.7M | +510% | +66% |
What changed
Revenue was $29.6M in Q4 2025, up 13% year over year and up 2% from the previous quarter.
Operating profit was $13.1M, a 44.2% margin (up 7.0 points year over year). Of the extra revenue versus a year earlier, 98% reached operating profit, above the 37% margin then. Total costs grew 0% against revenue growth of 13%. Net earnings were $10.5M, up 31% year over year. The effective tax rate was 19.9%.
Operating cash flow was $16.7M (up 60% year over year), 160% of net earnings. Non-cash charges added back $690K of depreciation and amortization. Working capital and other items added $5.6M. Capital expenditures of $71K left free cash flow of $16.7M.
Questions
What was Citizens Financial Services' revenue in the fourth quarter 2025?
Citizens Financial Services (CZFS) reported revenue of $29.6M for the fourth quarter 2025 (Q4 2025), +13% from a year earlier and +2% from the quarter before.
Was Citizens Financial Services profitable in the fourth quarter 2025?
Operating profit was $13.1M (44.2% of revenue) and net earnings $10.5M.