Citizens Financial Services financials
$80.06−0.47%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $43.5M | $44.0M | $44.5M | $44.1M | $42.4M | $42.4M | $43.1M | $42.4M | $41.2M | $42.9M | $42.0M | $40.4M |
| Gross profit | $29.7M | $29.8M | $29.6M | $29.0M | $27.3M | $26.4M | $26.2M | $25.1M | $24.6M | $25.9M | $25.3M | $26.1M |
| Gross margin | 68.3% | 67.8% | 66.5% | 65.7% | 64.4% | 62.3% | 60.8% | 59.1% | 59.7% | 60.4% | 60.3% | 64.6% |
| Operating income | $12.3M | $12.7M | $13.1M | $12.4M | $10.4M | $9.4M | $9.7M | $9.3M | $6.4M | $8.5M | $9.2M | $9.1M |
| Net income | $10.2M | $10.4M | $10.5M | $10.0M | $8.5M | $7.6M | $8.0M | $7.5M | $5.3M | $7.0M | $7.5M | $7.5M |
| Net margin | 23.4% | 23.6% | 23.5% | 22.7% | 20.0% | 18.0% | 18.5% | 17.8% | 12.8% | 16.4% | 18.0% | 18.7% |
| Diluted EPS | $2.12 | $2.16 | $2.18 | $2.09 | $1.76 | $1.59 | $1.64 | $1.57 | $1.10 | $1.48 | $1.57 | $1.59 |
| EBITDA | $12.3M | $12.7M | $13.1M | $12.4M | $10.4M | $9.4M | $9.7M | $9.3M | $6.4M | $8.5M | $9.2M | $9.8M |
| Operating cash flow | -$89.0K | $18.0M | $16.7M | $2.9M | $6.0M | $10.9M | $10.5M | $6.2M | $3.0M | $13.5M | $16.2M | $7.4M |
| Free cash flow | -$376.0K | $17.9M | $16.7M | $2.7M | $5.5M | $10.4M | $10.0M | -$338.0K | -$4.3M | $6.4M | $15.9M | $7.0M |
| Diluted shares | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.8M | 4.9M | 4.8M | 4.8M | 4.7M | 5.0M | 4.7M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $30.3M | $26.8M | $23.9M | $24.5M | $26.8M | $28.1M |
| Short-term investments | $512.4M | $467.4M | $467.7M | $471.0M | $468.2M | $454.0M |
| Total debt | $394.0M | $198.7M | $309.4M | $279.6M | $313.2M | $302.0M |
| Total assets | $3.19B | $3.03B | $3.06B | $3.06B | $2.97B | $3.02B |
| Total liabilities | $2.84B | $2.68B | $2.73B | $2.73B | $2.65B | $2.71B |
| Shareholders' equity | $352.8M | $343.6M | $338.1M | $327.7M | $313.7M | $308.3M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology