CITIZENS FINANCIAL SERVICES, INC.

CZFS ·Financial, Banks - Regional, United States
Financial Statements › Income Statement
Annual Quarterly

Income Statement

Line Item Jun 2026 Mar 2026 Dec 2025 Sep 2025 Jun 2025 Mar 2025 Dec 2024 Sep 2024
Revenue $2.4M $2.3M $2.3M $2.8M $2.4M $2.4M $2.3M $2.5M
Cost of Revenue — — — — — — — —
Gross Profit — — — — — — — —
Gross Margin — — — — — — — —
Operating Expenses
Research & Development — — — — — — — —
SG&A Expense — — — — — — — —
Operating Income $12.3M $12.7M $13.0M $12.4M $10.4M $9.4M $9.7M $9.3M
Operating Margin 505.2% 543.5% 565.8% 446.0% 440.1% 386.5% 424.2% 368.5%
Interest Expense — — — — — — — —
Pretax Income $12.3M $12.7M $13.0M $12.4M $10.4M $9.4M $9.7M $9.3M
Income Tax Expense $2.2M $2.3M $2.6M $2.4M $2.0M $1.8M $1.8M $1.7M
Net Income $10.2M $10.4M $10.5M $10.0M $8.5M $7.6M $8.0M $7.5M
Net Margin 417.0% 444.0% 455.0% 361.1% 357.5% 312.5% 347.5% 300.2%
EPS (Basic) $2.12 $2.16 $2.18 $2.09 $1.76 $1.59 $1.65 $1.57
EPS (Diluted) $2.12 $2.16 $2.18 $2.09 $1.76 $1.59 $1.64 $1.57
Shares Outstanding (Basic) 4.8M 4.8M 4.8M 4.8M 4.8M 4.8M 4.8M 4.8M
Shares Outstanding (Diluted) 4.8M 4.8M 4.8M 4.8M 4.8M 4.8M 4.8M 4.8M
Dividends Per Share $0.51 $0.50 $0.50 $0.50 $0.49 $0.49 $0.48 $0.49
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