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First Carolina Financial Services vs Citizens Financial Services: FCBM and CZFS compared
First Carolina Financial Services is the larger company: $32.3M of revenue in its latest quarter (Q2 2026) against $31.6M for Citizens Financial Services (Q3 2026). Citizens Financial Services is growing faster (+9% against -12% a year earlier). Citizens Financial Services is more profitable, with an operating margin of 46.1% against 20.1%.
Where the money goes: FCBM and CZFS
First Carolina Financial Services (FCBM) · Q2 2026
First Carolina Financial Services, Q2 2026: revenue $32.3M (-12% year over year), operating margin 20.1%, net earnings $5.1M. The chart follows the revenue to costs, profit and cash.
Citizens Financial Services (CZFS) · Q3 2026
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.
| First Carolina Financial Services (FCBM) | Citizens Financial Services (CZFS) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q3 2026 |
| Revenue | $32.3M | $31.6M |
| Revenue growth, Y/Y | -12% | +9% |
| Operating margin | 20.1% | 46.1% |
| Net earnings | $5.1M | $11.9M |
| Net margin | 15.8% | 37.8% |
| Operating cash flow | — | $5.3M |
| Free cash flow | — | $5.0M |
Where the revenue comes from
Citizens Financial Services
- Net interest income: $27.3M (86%)
- Noninterest income: $4.3M (14%)
Questions
Which is bigger, First Carolina Financial Services or Citizens Financial Services?
First Carolina Financial Services is the larger company: $32.3M of revenue in its latest quarter (Q2 2026) against $31.6M for Citizens Financial Services (Q3 2026).
Is First Carolina Financial Services or Citizens Financial Services growing faster?
Citizens Financial Services is growing faster (+9% against -12% a year earlier).
Which is more profitable, First Carolina Financial Services or Citizens Financial Services?
Citizens Financial Services is more profitable, with an operating margin of 46.1% against 20.1%.
More: First Carolina Financial Services earnings · how First Carolina Financial Services makes money · Citizens Financial Services earnings · how Citizens Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 14, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.