Citizens Financial Services, Inc.

CZFSNASDAQFinancial Services● Active

$65.44

+$0.07(+0.11%)

Market Cap$314435274

P/E Ratio—

52W High$69.58

52W Low$49.99

Avg Volume7K

Open$65.37

Beta0.40

Net Income Financials Revenue

Citizens Financial Services, Inc. (CZFS) Net Income & Profit History

Annual & trailing net income, net margin, YoY change, and peer profitability context.

CZFS · net income · updated Jun 9, 2026

Core profitability metrics

CZFS · net income · margin · TTM · CAGR

Net income was $36.6M for FY2025 (fiscal year ending 2025-12-31), up 31.5% year-over-year. Net profit margin was 21.1%. Based on available data, Citizens Financial Services, Inc. has been profitable since at least 2011.

FY2025 Net Income$36.6M▲ +31.5% YoY

Trailing 12M (TTM)$39.3Mtrailing 4 quarters sum

Net Profit Margin21.1%$36.6M ÷ $173.2M

YoY Change+31.5%—

5-Year CAGR+7.8%FY2020 → FY2025

FormulaNet Margin = Net Income ÷ Revenue × 100TTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /income-statement · US GAAP · USDUpdated: Jun 9, 2026

Annual net income history

Net Income (bars) · Net Profit Margin % (line)

Net IncomeNet LossNet Margin %★ First Profit: 2011

▸ FMP /income-statement · Annual · CZFS net income history · CZFS profit margin

Annual net income data

CZFS · net income history · annual / quarterly

Fiscal YearNet IncomeYoY ChangeNet MarginRevenue

FY2025$36.6M▲ +31.5%21.1%$173.2M

FY2024$27.8M▲ +56.2%16.5%$168.6M

FY2023$17.8M▼ 38.7%12.8%$138.7M

FY2022$29.1M▼ 0.2%31.2%$93.1M

FY2021$29.1M▲ +16.0%34.0%$85.5M

Net income vs peers (Financial Services)

CZFS vs peers · net income

#CompanyNet IncomeYoYNet MarginRelative

Citizens Financial Services, Inc.YOU

CZFS

$36.6M+31.5%21.1%

Berkshire Hathaway Inc.

BRK-B

$66.97B-24.8%18.0%

100%

Berkshire Hathaway Inc.

Mastercard Incorporated

$14.97B+16.3%45.6%

22%

Financial Services · Sorted by Net Income · FMP /income-statementFull Net Income Rankings →

About Net Income & Methodology

Citizens Financial Services, Inc. (CZFS) reported net income of $36.6M for FY2025 (fiscal year ending 2025-12-31), up 31.5% year-over-year. The net profit margin was 21.1% — meaning the company kept $0.21 of every dollar of revenue as profit.

Based on available data, Citizens Financial Services, Inc. has been profitable since at least 2011. Net income reached a peak of $36.6M in FY2025. Data available for 15 fiscal years.

Citizens Financial Services, Inc.'s net profit margin was 21.1% for FY2025, based on the latest annual results.

Investors sometimes search for "Citizens Financial Services, Inc. net worth" — the company's market capitalization is a separate figure from CZFS net income. Data sourced from FMP /income-statement · US GAAP · USD.

Figures tie to SEC 10-K/10-Q and FMP /income-statement where noted.

Revenue Financial statements Earnings Forecast Price history Market cap Free cash flow

Frequently asked questions

CZFS net income · 5 questions

Citizens Financial Services, Inc. is profitable. The company reported net income of $36.6M for FY2025, a net profit margin of 21.1%. Net income was up 31.5% year-over-year. Based on available data, Citizens Financial Services, Inc. has been profitable since at least 2011.

is CZFS profitabledoes CZFS make a profitCZFS profitabilityCZFS profitable company

▸ Source: FMP /income-statement · GAAP · Citizens Financial Services, Inc. · Citizens Financial Services, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026