For Q1 FY2026 ended March 31, 2026, Citizens Financial Services reported revenue of $2.337 million, down 4.2% year-over-year. Net income rose 36.2% to $10.376 million, with diluted EPS of $2.16, up 35.8%. Cash stood at $33.105 million and equity at $343.578 million.
•Revenue decreased 4.2% YoY to $2.337 million.
•Net income increased 36.2% to $10.376 million.
•Diluted EPS grew 35.8% to $2.16.
•Cash and equity were $33.105 million and $343.578 million, respectively.
Informational summary based on SEC XBRL figures · generated by deepseek-v4-flash. Not investment advice.
Citizens Financial Services, Inc., a bank holding company provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts.
Its portfolio also includes loan products, including residential, commercial, and agricultural real estate loans, commercial and industrial loans, state and political subdivision loans, and consumer loans
Various other specialized financial services, as well as professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts.
Additionally, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters provides mutual funds, annuities, and health and life insurance products. Founded in 1984, Citizens Financial Services is headquartered in Mansfield, Pennsylvania.
What does Citizens Financial Services, Inc. (CZFS) do?
Citizens Financial Services, Inc. is a bank holding company that provides a wide range of banking products and services to individual, business, governmental, and institutional customers. Its offerings include various deposit products such as checking, savings, and time deposit accounts. On the lending side, the company provides residential, commercial, and agricultural real estate loans, commercial and industrial loans, state and political subdivision loans, and consumer loans. Additionally, it offers specialized financial services like professional trust administration, investment management, estate planning, custody of securities, and individual retirement accounts. The company also provides brokerage and financial planning services, assistance with oil and gas leasing matters, and products such as mutual funds, annuities, and health and life insurance.
Where is Citizens Financial Services, Inc. (CZFS) listed and what currency does it use?
Citizens Financial Services, Inc. is listed on the Nasdaq Capital Market (NasdaqCM) under the ticker symbol CZFS. The company operates in the United States and its financial reporting is in US Dollars (USD). As a regional bank holding company headquartered in Mansfield, Pennsylvania, its stock is traded in USD on this major US exchange, providing liquidity and accessibility to investors.
What sector and industry does Citizens Financial Services, Inc. (CZFS) belong to?
Citizens Financial Services, Inc. operates in the Financial Services sector and is classified under the Banks - Regional industry. This means the company is a regional bank that focuses on providing traditional banking services to local communities, including individuals, businesses, and government entities. As a regional bank, it primarily serves customers in its geographic area, offering deposit accounts, loans, and other financial services tailored to the needs of its local market.
Where is Citizens Financial Services, Inc. (CZFS) headquartered and what markets does it serve?
Citizens Financial Services, Inc. is headquartered in Mansfield, Pennsylvania, United States. Founded in 1984, the company serves customers in the United States, focusing on individual, business, governmental, and institutional clients. As a regional bank, it primarily operates in its local market area, providing banking products and services that cater to the needs of the communities it serves. The company's headquarters location in Pennsylvania anchors its operations, and it likely has branches or serves customers throughout the region.
How does Citizens Financial Services, Inc. (CZFS) make money?
Citizens Financial Services, Inc. generates revenue primarily through its banking operations, including net interest income from loans and deposits, as well as non-interest income from fees and services. The company offers a variety of loan products such as residential, commercial, and agricultural real estate loans, commercial and industrial loans, and consumer loans, which generate interest income. It also earns fees from deposit accounts, trust administration, investment management, estate planning, and brokerage services. Additionally, the company provides mutual funds, annuities, and insurance products, which may generate commission income. By serving individual, business, governmental, and institutional customers, the company diversifies its revenue streams across lending, deposit services, and specialized financial services.