Citizens Financial Services, Inc. (CZFS) Revenue History
Annual and quarterly revenue from 2014 to 2025
Compound Annual Growth Rate (CAGR)
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CZFS Revenue Growth
Revenue Breakdown (FY 2025)
CZFS's revenue distribution by segment and geography for fiscal year 2025
By Product/Segment
CZFS Revenue Analysis (2014–2025)
As of May 8, 2026, Citizens Financial Services, Inc. (CZFS) generated trailing twelve-month (TTM) revenue of $173.4 million, reflecting modest growth of +3.1% year-over-year. The most recent quarter (Q4 2025) recorded $44.5 million in revenue, up 0.8% sequentially.
Looking at the longer-term picture, CZFS's 5-year compound annual growth rate (CAGR) stands at +16.2%, indicating consistent double-digit revenue growth. The company achieved its highest annual revenue of $173.2 million in 2025, representing a new all-time high.
Revenue diversification analysis shows CZFS's business is primarily driven by Community Banking Member (100%). With over half of revenue concentrated in Community Banking Member, the company maintains significant focus in this area while developing other growth vectors.
When compared to Financial Services sector peers including FXNC, FUNC, and NKSH. Compare CZFS vs FXNC →
CZFS Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| CZFSCurrent | $173M | +3.1% | +16.2% | 26.0% | |
 FXNC | $112M | - | - | 19.6% | |
 FUNC | $112M | - | - | 24.4% | |
 NKSH | $85M | - | - | 22.5% | |
 CZWI | $90M | - | - | 7.0% | |
 PBFS | $88M | - | - | 37.3% |
CZFS Historical Revenue Data (2014–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $173.2M | - | $109.7M | 63.3% | $45.1M | 26.0% |
| 2024 | $168.6M | - | $98.2M | 58.2% | $33.7M | 20.0% |
| 2023 | $138.7M | - | $86.3M | 62.2% | $21.5M | 15.5% |
| 2022 | $93.1M | - | $80.2M | 86.1% | $35.5M | 38.1% |
| 2021 | $85.5M | - | $76.9M | 89.9% | $35.3M | 41.3% |
| 2020 | $81.7M | - | $71.2M | 87.1% | $30.4M | 37.2% |
| 2019 | $70.4M | - | $56.7M | 80.5% | $23.3M | 33.1% |
| 2018 | $64.5M | - | $53.0M | 82.2% | $21.4M | 33.2% |
| 2017 | $56.7M | - | $48.4M | 85.2% | $19.1M | 33.6% |
| 2016 | $50.9M | - | $44.3M | 87.1% | $15.7M | 30.8% |
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Start ComparisonCZFS — Frequently Asked Questions
Quick answers to the most common questions about buying CZFS stock.
Is CZFS's revenue growth accelerating or slowing?
CZFS revenue growth slowed to +3.1%, below the 5-year CAGR of +16.2%. TTM revenue is $173M. The deceleration marks a shift from historical growth rates.
What is CZFS's long-term revenue growth rate?
Citizens Financial Services, Inc.'s 5-year revenue CAGR of +16.2% reflects the variable expansion pattern. Current YoY growth of +3.1% is near this long-term average.
How is CZFS's revenue distributed by segment?
CZFS reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2014-2025 are available for download. Segment mix reveals concentration and diversification trends.