CZFS
NASDAQ · Banking
Citizens Financial Services
$80.44
+0.59 (+0.74%)
Financial Highlights (FY 2026)
Revenue
98.78M
Net Income
36.86M
Gross Margin
—
Profit Margin
35.5%
Rev Growth
+10.4%
D/E Ratio
0.14
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 44.9% | 44.9% |
| Operating Margin | 43.4% | 39.0% | 35.6% | 38.0% |
| Profit Margin | 35.5% | 33.7% | 32.5% | 26.1% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 98.78M | 89.49M | 102.74M | 78.27M |
| Gross Profit | — | — | 46.11M | 35.13M |
| Operating Income | 42.82M | 34.92M | 36.61M | 29.73M |
| Net Income | 36.86M | 30.05M | 33.39M | 20.42M |
| Gross Margin | — | — | 44.9% | 44.9% |
| Operating Margin | 43.4% | 39.0% | 35.6% | 38.0% |
| Profit Margin | 35.5% | 33.7% | 32.5% | 26.1% |
| Rev Growth | +10.4% | +10.4% | -0.5% | +9.6% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 23.29M | 23.29M | 109.08M | 130.93M |
| Total Equity | 171.27M | 171.27M | 105.77M | 105.75M |
| D/E Ratio | 0.14 | 0.14 | 1.03 | 1.24 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 52.60M | 45.27M | 53.54M | 42.66M |
| Free Cash Flow | — | — | 18.03M | 16.68M |