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How Citizens Financial Services (CZFS) makes money
Citizens Financial Services (CZFS) made $31.6M of revenue in the third quarter 2026 (Q3 2026), +9% from a year earlier. Net interest income brought in $27.3M (86%); Noninterest income brought in $4.3M (14%). Of every dollar of revenue, 46¢ was left as operating profit, 38¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $27.3M | 86.4% | +6% | +8% |
| Noninterest income | $4.3M | 13.6% | +7% | +12% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $31.6M | 100.0% |
| Operating profit | $14.5M | 46.1% |
| Income tax | $2.6M | 8.3% |
| Net earnings | $11.9M | 37.8% |
| Operating cash flow | $5.3M | 16.7% |
| Free cash flow | $5.0M | 15.9% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $31.6M | +9% |
| Q2 2026 | $29.7M | +9% |
| Q1 2026 | $29.8M | +13% |
| Q4 2025 | $29.6M | +13% |
| Q3 2025 | $29.0M | +16% |
| Q2 2025 | $27.3M | +11% |
| Q1 2025 | $26.4M | +2% |
From Citizens Financial Services' 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does Citizens Financial Services make money?
Citizens Financial Services (CZFS) made $31.6M of revenue in the third quarter 2026 (Q3 2026), +9% from a year earlier. Net interest income brought in $27.3M (86%); Noninterest income brought in $4.3M (14%). Of every dollar of revenue, 46¢ was left as operating profit, 38¢ was left as net earnings.
What is Citizens Financial Services' biggest business?
Net interest income: $27.3M in the third quarter 2026, 86% of revenue, +8% from a year earlier.
What is Citizens Financial Services' profit margin?
Net earnings were $11.9M, 37.8% of revenue, in the third quarter 2026; the operating margin was 46.1%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.