CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2025 FINANCIAL RESULTS
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 30 2025
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Analyst Views on CZFS
About CZFS
Citizens Financial Services, Inc. is the holding company for First Citizens Community Bank (the Bank). The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. It is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Citizens Financial Services Reports Strong Q4 Earnings
- Earnings Performance: Citizens Financial Services reported a GAAP EPS of $2.18 for Q4, demonstrating stability in profitability, which continues to attract investor interest despite underperformance in share price.
- Revenue Growth: The company achieved total revenue of $29.6 million in Q4, reflecting its sustained competitiveness in the market, maintaining a solid revenue level despite market fluctuations.
- Investment Appeal: Despite the lackluster share price performance, Seeking Alpha's quantitative rating still considers Citizens Financial Services compelling, indicating market confidence in its future growth potential.
- Dividend Stability: The dividend scorecard for Citizens Financial Services highlights its stability in dividend payments, further bolstering investor confidence, especially in the current economic climate.
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Citizens Financial Services Reports Strong 2025 Financial Results
- Net Income Growth: Citizens Financial Services reported a net income of $10.483 million for 2025, a 31.4% increase from $7.983 million in 2024, indicating strong performance amid economic recovery and boosting investor confidence.
- Earnings Per Share Increase: Basic earnings per share rose to $2.19 from $1.66 in 2024, reflecting a 31.9% improvement in profitability, which is expected to attract more investor interest.
- Dividend Increase: The Board declared a cash dividend of $0.50 per share on December 2, 2025, marking a 3.1% increase from the previous year, demonstrating the company's commitment to shareholder returns and enhancing market confidence in its stability.
- Asset Quality Improvement: Total non-performing assets stood at $29.189 million, slightly up from $28.612 million in 2024, but the allowance for credit losses ratio remained at 0.97%, indicating robust risk management practices within the company.
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