Citizens Financial Services, Inc. (CZFS) Earnings History
Annual and quarterly earnings data from 1993 to 2025
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CZFS EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CZFS Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 63.3% | 26.0% | 21.1% |
| 2024 | 58.2% | 20.0% | 16.5% |
| 2023 | 62.2% | 15.5% | 12.8% |
| 2022 | 86.1% | 38.1% | 31.2% |
| 2021 | 89.9% | 41.3% | 34.0% |
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Citizens Financial Services, Inc. (CZFS) Earnings Overview
As of May 8, 2026, Citizens Financial Services, Inc. (CZFS) reported trailing twelve-month net income of $37M, reflecting +31.6% year-over-year growth. The company earned $7.62 per diluted share over the past four quarters, with a net profit margin of 21.1%.
Looking at the long-term picture, CZFS's 5-year EPS compound annual growth rate (CAGR) stands at +4.0%, reflecting modest earnings expansion. The company achieved its highest annual net income of $37M in fiscal 2025, representing a new all-time high.
Citizens Financial Services, Inc. maintains industry-leading profitability with a gross margin of 63.3%, operating margin of 26.0%, and net margin of 21.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FXNC ($18M net income, 15.8% margin), FUNC ($25M net income, 18.4% margin), NKSH ($16M net income, 18.6% margin), CZFS has outperformed on profitability metrics. Compare CZFS vs FXNC →
CZFS Earnings vs Peers
Earnings metrics vs comparable public companies
CZFS Historical Earnings Data (1993–2025)
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $37M | +31.5% | $45M | $7.62 | 21.1% | 26.0% |
| 2024 | $28M | +56.2% | $34M | $5.79 | 16.5% | 20.0% |
| 2023 | $18M | -38.7% | $22M | $3.98 | 12.8% | 15.5% |
| 2022 | $29M | -0.2% | $35M | $7.10 | 31.2% | 38.1% |
| 2021 | $29M | +16.0% | $35M | $7.09 | 34.0% | 41.3% |
| 2020 | $25M | +28.8% | $30M | $6.27 | 30.7% | 37.2% |
| 2019 | $19M | +8.1% | $23M | $5.26 | 27.7% | 33.1% |
| 2018 | $18M | +38.5% | $21M | $4.84 | 28.0% | 33.2% |
| 2017 | $13M | +3.1% | $19M | $3.49 | 23.0% | 33.6% |
| 2016 | $13M | +8.7% | $16M | $3.36 | 24.8% | 30.8% |
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Start ComparisonCZFS — Frequently Asked Questions
Quick answers to the most common questions about buying CZFS stock.
Is CZFS growing earnings?
CZFS EPS is $7.62, with earnings growth accelerating to +31.6%. This exceeds the 5-year CAGR of +4.0%. TTM net income reached $37M.
What are CZFS's profit margins?
Citizens Financial Services, Inc. net margin is +21.1%, with operating margin at +26.0%. Above-average margins indicate pricing power.
How consistent are CZFS's earnings?
CZFS earnings data spans 1993-2025. The accelerating earnings trend is +31.6% YoY. Historical data enables comparison across business cycles.