What is Citizens Financial Services, Inc. Quarterly Revenue?

Citizens Financial Services, Inc. Quarterly Revenue Citizens Fin Services Inc Jun-2026 Quarterly Revenue is $30 Million which is growth of 8.8% YoY.

What is Citizens Financial Services, Inc. Quarterly Net Profit?

Citizens Financial Services, Inc. Quarterly Net Profit Citizens Fin Services Inc Jun-2026 Quarterly Net Profit is $10 Million which is growth of 20.4% YoY.

What is Citizens Financial Services, Inc. Annual Revenue?

Citizens Financial Services, Inc. Annual Revenue Citizens Fin Services Inc Dec-2025 Annual Revenue is $112 Million which is growth of 11.5% YoY.

What is Citizens Financial Services, Inc. Annual Net Profit?

Citizens Financial Services, Inc. Annual Net Profit Citizens Fin Services Inc Dec-2025 Annual Net Profit is $37 Million which is growth of 31.5% YoY.

What is Citizens Financial Services, Inc. Total Shareholders Fund?

Citizens Financial Services, Inc. Total Shareholders Fund Citizens Fin Services Inc Dec-2025 Total Shareholders Fund is $338 Million which is growth of 12.8% YoY.

What is Citizens Financial Services, Inc. Total Assets?

Citizens Financial Services, Inc. Total Assets Citizens Fin Services Inc Dec-2025 Total Assets is $3,065 Million which is growth of 1.3% YoY.

What is Citizens Financial Services, Inc. Book Value Per Share?

Citizens Financial Services, Inc. Book Value Per Share Citizens Fin Services Inc Book Value Per Share is $73 which is growth of 12.4% YoY.

What is Citizens Financial Services, Inc. ROE?

Citizens Financial Services, Inc. ROE Citizens Fin Services Inc ROE is 0% which is growth of 0% YoY.

What is Citizens Financial Services, Inc. Cash From Operating Activity?

Citizens Financial Services, Inc. Cash From Operating Activity Citizens Fin Services Inc Dec-2025 Cash From Operating Activity is $37 Million which is growth of 10.1% YoY.

What is Citizens Financial Services, Inc. Net Cash Flow?

Citizens Financial Services, Inc. Net Cash Flow Citizens Fin Services Inc Dec-2025 Net Cash Flow is $-8 Million which is growth of 25.5% YoY.

Citizens Financial Services, Inc.

XNAS: CZFS

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Citizens Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Citizens Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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POSITIVE
Quarterly Revenue Citizens Fin Services Inc Jun-2026 Quarterly Revenue is $30 Million which is growth of 8.8% YoY.
POSITIVE
Quarterly Net Profit Citizens Fin Services Inc Jun-2026 Quarterly Net Profit is $10 Million which is growth of 20.4% YoY.

Citizens Financial Services, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
Indicator	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23	Jun '23
SR_Q Operating Rev.	29.7	29.8	29.6	29	27.3	26.4	26.2	25.1	24.6	24.8	25.3	26.1	20.2
CostOfRevenue_Q Cost Of Rev.	-	-	-	-	-	-	-	-	-	-	-	-	-
GrossProfit_Q Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-
OEXPNS_Q Operating Exp. ⌄	-	-	-	-	-	-	-	-	-	-	11.7	10.4	8.6
AdminAndSellingExpenses_Q Admin Plus Selling Exp.	10.6	10.7	9.6	10.3	10.5	10.7	10.1	10.3	10.1	10.8	9.9	10.4	8.2
ResearchAndDevlopmentExpenses_Q RnD Exp.	-	-	-	-	-	-	-	-	-	-	-	-	-
OP_Q Operating Profit	-	-	-	-	-	-	-	-	-	-
NetNonOperIntIncExp_Q Net Non Operations Interest Incuding Expenses ⌄	-	-	-	-	-	-	-	-	-	-	-	-	-
Others_Q Other Interest Earned	-	-	-	-	-	-	-	-	-	-	-	-	-
IntExpNonOperating_Q Interest Exp. Non Operating	-	-	-	-	-	-	-	-	-	-	-	-	-
PBT_Q Profit Before Tax	12.3	12.7	13.1	12.4	10.4	9.4	9.5	9.3	6.4	8.5	9.2	9.2	-5.3
TAX_Q Tax	2.2	2.3	2.6	2.4	2	1.8	1.6	1.7	1.1	1.5	1.7	1.6	-1.2
NICommonStockholders_Q Net Income Common Stockholders ⌄	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	7	7.5	7.6	-4.1
NP_Q Net Profit	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	7	7.5	7.6	-4.1
NIIncludingNoncontrollingInterests_Q Net Income Including Non controlling Interests	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	7	7.5	7.6	-4.1
DilutedNIAvailtoComStockholders_Q Diluted NI Avail to Com Stockholders Ann.	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	7	7.5	7.6	-4.1
EPS_Q Basic EPS	2.1	2.2	2.2	2.1	1.8	1.6	1.7	1.6	1.1	1.5	1.6	1.6	-1
AfterDilutedEPS_Q Diluted EPS After ExtraOrdinary	2.1	2.2	2.2	2.1	1.8	1.6	1.7	1.6	1.1	1.3	1.6	1.7	0.6
SHARE_Q Number Of Shares End	4.8	4.8	4.8	4.8	4.8	4.8	4.8	4.8	4.8	4.8	4.8	4.8	4.2
NIContinuingDiscontinuedOper_Q Net Income Continuing Discontinued Operations	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	7	7.5	7.6	-4.1
NormalizedIncome_Q Normalized Income	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	6.1	7.5	8.1	2.4
InterestIncome_Q Interest Income	39.1	39.9	40.7	39.8	38.3	38.6	39.4	38.3	37.5	37.5	38.1	36.3	26.5
INT_Q Interest	13.8	14.2	14.9	15.1	15.1	16	16.9	17.4	16.6	17	16.7	14.3	8.9
NetInterestIncome_Q Net Interest Income	25.3	25.7	25.8	24.7	23.2	22.6	22.5	20.9	20.9	20.6	21.5	22	17.6
EBIT_Q EBIT	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA_Q EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
ReconciledCostOfRevenue_Q Reconciled Cost Of Rev.	-	-	-	-	-	-	-	-	-	-	-	-	-
ReconciledDepreciation_Q Reconciled Depr.	0.4	0.5	0.7	0.5	0.5	0.5	0.4	0.4	0.5	0.5	0.5	0.5	0.3
ProfitLossFromContinuingOperations_Q Profit From Continuing Operations	10.2	10.4	10.5	10	8.5	7.6	8	7.5	5.3	7	7.5	7.6	-4.1
NormalizedEBITDA_Q Normalized EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-

*All financials are in USD Million and price data in USD

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Citizens Fin Services Inc competitor comparison and performance snapshot within industry

Citizens Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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POSITIVE
Annual Revenue Citizens Fin Services Inc Dec-2025 Annual Revenue is $112 Million which is growth of 11.5% YoY.
POSITIVE
Annual Net Profit Citizens Fin Services Inc Dec-2025 Annual Net Profit is $37 Million which is growth of 31.5% YoY.

Citizens Financial Services, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	TTM	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
SR_A Total Rev. Ann. ⌄	11.1%	8.8%		112.3	100.8	91.9	81.9	78.4	73.6	58.3	54.9	50.9	45.9	38.3
TotalOperatingRevenues_A Operating Rev. Ann.	11.1%	8.8%	118.1	112.3	100.8	91.9	81.9	78.4	73.6	58.3	54.9	50.9	45.9	38.3
CostOfRevenue_A Cost Of Rev. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
GrossProfit_A Gross Profit Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
OEXPNS_A Operating Exp. Ann.	-	-		-	-	-46.9	-11.2	-7.1	-8.1	-12	-9.6	-5.8	-5	-4.8
OP_A Operating Profit Ann.	-	-		-	-	138.7	93.1	85.5	81.7	70.4	64.5	56.8	50.9	43.1
NetNonOperIntIncExp_A Net Non Operations Interest Incuding Expenses Ann, ⌄	-	-		-	-	-	-	-	-	-	-	-	-	-
Others_A Other Interest Earned Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
IntExpNonOperating_A Interest Exp. Non Operating Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
OtherExpenses_A Other Exp. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
PBT_A PBT Ann.	8.4%	8.3%	50.5	45.2	33.7	21.5	35.5	35.3	30.4	23.3	21.4	19.1	15.7	14.4
TAX_A Tax Ann.	10.8%	10.4%	9.4	8.7	5.9	3.7	6.4	6.2	5.3	3.8	3.4	6	3	2.7
NICommonStockholders_A Net Income Common Stockholders Ann. ⌄	7.9%	7.8%	41.1	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
NP_A Net Profit Ann.	7.9%	7.8%	41.1	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
NIIncludingNoncontrollingInterests_A Net Income Including Non controlling Interests Ann.	7.9%	7.8%	41.1	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
DilutedNIAvailtoComStockholders_A Diluted NI Avail to Com Stockholders Ann.	7.9%	7.8%	41.1	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
EPS_A EPS Ann.	2.3%	3.8%		7.6	5.8	4	7.1	7.1	6.3	5.2	4.8	3.5	3.3	3.3
DilutedEPS_A Diluted EPS Ann.	2.3%	3.8%		7.6	5.8	4	7.1	7.1	6.3	5.2	4.8	3.5	3.3	3.3
SHARE_Q Number Of Shares End	5.4%	3.2%		4.8	4.8	4.8	4.1	4.1	4.1	3.7	3.8	3.8	3.8	3.5
TotalExpenses_A Total Exp. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
NIContinuingDiscontinuedOper_A Net Income Continuing Discontinued Operations Ann.	7.9%	7.8%	41.1	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
NormalizedIncome_A Normalized Income Ann.	7.9%	6.4%	41.1	36.6	26.9	25.5	29.1	29.1	26.9	19.9	18	13.1	12.6	12.5
InterestIncome_A Interest Income Ann.	24%	17.6%	159.5	157.5	152.8	125.7	82.7	72.8	69.9	61.5	56.3	47.8	42.7	35.4
INT_A Interest Ann.	76.1%	49.8%	58	61.2	67.9	46.9	11.2	7.1	8.1	12	9.6	5.8	5	4.8
EBITDA_A EBITDA Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
ReconciledCostOfRevenue_A Reconciled Cost Of Rev. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
ReconciledDepreciation_A Reconciled Depr. Ann.	28.1%	-	2.1	2.1	1.8	1.5	1	1.1	-2.8	0.5	0.4	0.2	0.3	0.5
ProfitLossFromContinuingOperations_A Profit From Continuing Operations Ann.	7.9%	7.8%	41.1	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
NormalizedEBITDA_A Normalized EBITDA Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-

*All financials are in USD Million and price data in USD

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Total Rev. Ann.

1Y CHG

11.4%

2Y CAGR

10.5%

3Y CAGR

11.1%

5Y CAGR

8.8%

7Y CAGR

10.8%

10Y CAGR

11.4%

Total Revenue Annual growth is higher than historical averages.

Net Profit Ann.

1Y CHG

31.7%

2Y CAGR

43.4%

3Y CAGR

7.9%

5Y CAGR

7.8%

7Y CAGR

10.7%

10Y CAGR

12.2%

Net Profit Annual growth is higher than historical averages.

Citizens Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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POSITIVE
Total Shareholders Fund Citizens Fin Services Inc Dec-2025 Total Shareholders Fund is $338 Million which is growth of 12.8% YoY.
POSITIVE
Total Assets Citizens Fin Services Inc Dec-2025 Total Assets is $3,065 Million which is growth of 1.3% YoY.

Citizens Financial Services, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
TA_A Total Assets Ann. ⌄	9.5%	10.1%	3,064.6	3,025.7	2,975.3	2,333.4	2,143.9	1,891.7	1,466.3	1,430.7	1,361.9	1,223	1,163
CA_A Total Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CashEquivalentsShortTermInvestments_A Cash Equivalents and Short Term Investments Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables_A Change In Account Receivables Ann.	13.6%	12.3%	10.7	10.3	11	7.3	5.2	6	4.6	4.5	4.2	11.9	4.2
Inventories_A Inventories Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
OtherCurrentAssets_A Other Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentAssets_A Total Non Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
NetPPE_A Net PPE Ann.	6.1%	4.3%	21	21.4	21.4	17.6	17	17	15.9	16.3	16.5	17	17.3
InvestmentsAndAdvances_A Investments & Advances Ann.	0.4%	8.5%	446.6	427.7	419.5	441.7	414.7	297.1	241.4	241.5	254.8	314	359.7
OtherNonCurrentAssets_A Other Non Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalLiabilitiesNetMinorityInterest_A Total Liabilities Net Minority Interest Ann. ⌄	8.5%	9.9%	2,726.5	2,726	2,695.7	2,133.3	1,931.4	1,697.4	1,311.6	1,291.5	1,232.9	1,099.8	1,043.2
CL_A Total Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
PayablesAndAccruedExpenses_A Payables & Accrued Exp.s Ann.	37.2%	25.4%	3.1	4.7	4.3	1.2	0.7	1	1.1	1.1	0.9	0.7	0.7
CurrentDebtCapLeaseObligation_A Current Debt Cap Lease Obligation Ann.	-	-		7.6	-	-	-	-	-	-	-	-	-
CurrentDeferredLiabilities_Q Current Deferred Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-
OtherCurrentLiabilities_A Other Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentLiabilities_A Total Non Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
LongTermDebtAndCapitalLeaseObligation_Q LT Debt & Capital Lease Obligation	4.5%	27.1%	294	272.8	322	257.3	74	88.8	85.1	91.2	114.7	79.7	41.6
TradeandOtherPayablesNonCurrent_A Trade & Other Payables Non Current Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalDeferredCreditsAndOtherNonCurrentLiabilities_A Total Deferred Credits & Other Non Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalShareHoldersFunds_A Total ShareHolders Funds Ann. ⌄	19.1%	11.7%	338.1	299.7	279.7	200.2	212.5	194.3	154.8	139.2	129	123.3	119.8
EQCAP_A Equity Share Capital Ann.	19.1%	11.7%	338.1	299.7	279.7	200.2	212.5	194.3	154.8	139.2	129	123.3	119.8
CapitalStock_A Capital Stock Ann.	6.4%	3.8%	5.3	5.2	5.2	4.4	4.4	4.4	3.9	3.9	3.9	3.7	3.7
RetainedEarnings_A Retained Earnings Ann.	9%	11%	213.6	189.4	173	164.9	146	126.6	110.8	99.7	90	91.3	85.8
GainsLossesNotAffectingRetainedEarnings_A Gains Losses Not Affecting Retained Earnings Ann.	-	-	-12.4	-23.5	-24.9	-33.1	-0.2	2.6	-0.6	-3.9	-3.4	-1.4	-0.2
TotalCapitalization_A Total Capitalization Ann.	11.4%	17.4%	632	572.5	601.7	457.4	286.5	283.1	239.9	230.4	243.7	202.9	161.4
TangibleAssets_A Tangible Assets Ann.	14.3%	9.2%	250.1	211.1	190.3	167.5	179.5	161.2	130.1	114.3	103.8	100.1	96.2
WC_A Working Capital Ann.	-	-	-	-
InvestedCapital_A Invested Capital Ann.	11.4%	17.4%	632	580.1	601.7	457.4	286.5	283.1	239.9	230.4	243.7	202.9	161.4
TangibleBookValue_A Tangible Book Value Ann.	14.3%	9.2%	250.1	211.1	190.3	167.5	179.5	161.2	130.1	114.3	103.8	100.1	96.2
Borrowings_A Borrowings Ann.	4.5%	27.1%	294	280.4	322	257.3	74	88.8	85.1	91.2	114.7	79.7	41.6
NetDebt_A Net Debt Ann.	4.4%	109.1%	255.8	234.4	265.2	225	-	6.4	52.3	58.9	85.9	55	9.6
ShareIssued_A Share Issued Ann.	4.8%	2.9%	5.3	5.3	5.3	4.6	4.6	4.6	4.2	4.2	4.2	4.2	4.2
SHARE_Q Number Of Shares End	5.4%	3.2%	4.8	4.8	4.8	4.1	4.1	4.1	3.7	3.8	3.8	3.8	3.5

*All financials are in USD Million and price data in USD

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Total Assets Ann.

1Y CHG

1.3%

2Y CAGR

1.5%

3Y CAGR

9.5%

5Y CAGR

10.1%

7Y CAGR

11.5%

10Y CAGR

10.2%

Total Assets Annual growth is lower than historical averages.

Total ShareHolders Funds Ann.

1Y CHG

12.8%

2Y CAGR

9.9%

3Y CAGR

19.1%

5Y CAGR

11.7%

7Y CAGR

13.5%

10Y CAGR

10.9%

Total ShareHolders Funds Annual growth is stable compared to historical averages.

Citizens Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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POSITIVE
Book Value Per Share Citizens Fin Services Inc Book Value Per Share is $73 which is growth of 12.4% YoY.
NEUTRAL
ROE Citizens Fin Services Inc ROE is 0% which is growth of 0% YoY.

Citizens Financial Services, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
ROA_A RoA Ann. %	-	-	-	0.93%	0.67%	1.30%	1.44%	1.50%	1.35%	1.29%	1.01%	1.06%	1.11%
ROE_A ROE Ann. %	-	-	-	9.60%	7.42%	14.08%	14.32%	14.38%	13.26%	13.45%	10.33%	10.40%	10.56%
ROIC_Q ROIC %	-	-	-	-	-	-	-	-	-	-	-	-	-
OPMPCT_A OPM Ann. %	-	-	-	-	151.01%	113.71%	109.06%	111.01%	120.64%	117.43%	111.47%	110.99%	112.60%
NBTO_A Inventory Turnover Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ASETTO_A Asset Turnover Ann. %	-	-	-	0	0	0	0	0	0	0	0	0	0
WCTO_A Working Capital Turnover Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
QuickRatio_A Quick Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CRATIO_A Current Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
IC_A Interest Coverage Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
LTDE_A LT Debt To Equity Ann.	-	-	-	0.9	1.2	1.3	0.4	0.5	0.6	0.7	0.9	0.7	0.4

*All financials are in USD Million and price data in USD

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Citizens Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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POSITIVE
Cash From Operating Activity Citizens Fin Services Inc Dec-2025 Cash From Operating Activity is $37 Million which is growth of 10.1% YoY.
POSITIVE
Net Cash Flow Citizens Fin Services Inc Dec-2025 Net Cash Flow is $-8 Million which is growth of 25.5% YoY.

Citizens Financial Services, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
CFO_A Cash from Operating Act. Ann. ⌄	3.2%	25.3%	36.5	33.2	26.5	33.2	38.7	11.8	21.8	21.5	15.7	16.2	12.8
ProfitLossFromContinuingOperations_A Profit From Continuing Operations Ann.	7.9%	7.8%	36.6	27.8	17.8	29.1	29.1	25.1	19.5	18	13	12.6	11.6
DepreciationAmortizationDepletion_A Depreciation Amortization Depletion Ann.	28.1%	-	2.1	1.8	1.5	1	1.1	-2.8	0.5	0.4	0.2	0.3	0.5
DepreciationAndAmortization_A Depreciation And Amortization Ann.	28.1%	-	2.1	1.8	1.5	1	1.1	-2.8	0.5	0.4	0.2	0.3	0.5
DeferredTax_A Deferred Tax Ann.	-	14.9%	0.8	1.8	0.6	-0	0.7	0.4	0.3	-0.4	1.5	0.4	-0.2
DeferredIncomeTax_A Deferred Income Tax Ann.	-	14.9%	0.8	1.8	0.6	-0	0.7	0.4	0.3	-0.4	1.5	0.4	-0.2
EmployeesStockOptions_A ESOPs Ann.	26%	3.7%	0.6	0.4	0.3	0.3	0.6	0.5	0.4	0.3	0.3	0.3	0.2
OtherNonCashItems_A Other Non Cash Items Ann.	-	-	-2.3	-0.2	-0.3	0.9	4.8	-11.3	-0.2	0.7	-1.7	-0.6	-0.7
ChangeInWorkingCapital_A Change In Working Capital Ann.	-	-	-2	1.1	0.7	-1.6	0.5	-1.1	-0.1	-0.1	0.1	0.1	-0.3
ChangeInReceivables_A Change In Receivables Ann.	-	-	-0.4	0.7	-1.5	-2.1	0.8	-0.9	-0.1	-0.3	-0	0.1	-0.3
ChangeInInventory_A Change In Inventory Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangePayablesAccruedExpense_A Change Payables Accrued Expense Ann.	-	-	-1.6	0.4	2.2	0.5	-0.3	-0.2	0	0.2	0.2	-0	-0
ChangeInOtherCurrentAssets_A Change In Other Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangeInOtherCurrentLiabilities_A Change In Other Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangeInOtherWorkingCapital_A Change In Other Working Capital Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CFI_A Cash from Investing Act. Ann. ⌄	-	-	-40.1	-69.1	59.5	-362.5	-158.2	-110.7	-32.3	-72.4	-105.4	-70.1	19.1
NetPPEPurchaseAndSale_A Net PPE Purchase & Sale Ann.	-	-	-1.3	-1.3	-2.6	-1.6	-1.1	-0.9	-0.5	-0.5	-0.2	-0.6	-0.8
PurchaseOfPPE_A Purchase Of PPE Ann.	-	-	-1.3	-1.3	-2.6	-1.6	-1.1	-0.9	-0.5	-0.5	-0.2	-0.6	-0.8
NetBusinessPurchaseAndSale_A Net Business Purchase & Sale Ann.	-	-		7.2	3.4	-1.1		1			-4.4		77.9
PurchaseOfBusiness_A Purchase Of Business Ann.	-	-			-1.5	-1.1	-	1			-4.4		77.9
PurchaseOfInvestment_A Purchase Of Investment Ann.	-	-	-118.3	-98	-39.4	-133.2	-214.9	-152.7	-80.6	-77.9	-62.9	-59	-115.2
SaleOfInvestment_A Sale Of Investment Ann.	32.1%	1.7%	112.4	91.3	138.6	48.8	89.7	103.1	83.9	91.4	125.7	91.7	83
NetOtherInvestingChanges_A Net Other Investing Changes Ann.	-23.1%	-22.6%	0.5	1.8	1.4	1.1	-2.6	1.8	1.1	0.9	0.9	1	0.6
CFA_A Cash from Financing Act. Ann. ⌄	-	-	-4.4	25.3	-59.4	182.6	223.7	149.1	12.3	49.1	90.5	47.3	-18.9
NetIssuancePaymentsOfDebt_A Net Issuance Payments Of Debt Ann.	-61.2%	-	10.7	-25.7	5.4	183.3	-14.9	-11.3	-6.1	-23.5	35	38	-0.2
NetLongTermDebtIssuance_A Net Long Term Debt Issuance Ann.	-	-	-42	-35	40	-4.7	-16.9	5	6.9	-1	-2	0	4.6
NetShortTermDebtIssuance_A Net ST Debt Issuance Ann.	-34.6%	-	52.7	9.3	-34.6	188	2.1	-16.3	-13	-22.5	37	38	-4.8
NetCommonStockIssuance_A Net Common Stock Issuance Ann.	-	-	-0.6	-0.3	-0.3	-1.3	-1.4	-2.1	-1.3	-1.5	-1	-3.2	-2.5
CommonStockIssuance_A Common Stock Issuance Ann.	-	-			-	-	-	-	-	-	-	-	-
CommonStockPayments_A Common Stock Payments Ann.	-	-	-0.6	-0.3	-0.3	-1.3	-1.4	-2.1	-1.3	-1.5	-1	-3.2	-2.5
dividend_1Y_actual Dividend 1year	1.7%	2.1%	2	2	1.9	1.9	1.8	1.8	1.7	1.6	1.5	1.5	1.4
DividendPerShare_A Dividend Per Share Ann.	-	-	-9.6	-9.3	-8.5	-7.6	-7.4	-6.5	-6.3	-6.1	-5.2	-5.1	-5.2
NetOtherFinancingCharges_A Net Other Financing Charges Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CashAndCashEquivalentEndOfYear_A Cash Plus Cash Eqv. End Of Year Ann.	9.4%	-13%	34.3	42.2	52.8	26.2	172.8	68.7	18.5	16.8	18.5	17.8	24.4
NetIncDecInCashAndCashEquivalents_A Net Increase In Cash Plus Cash Eqv.s Ann.	-	-	-7.9	-10.6	26.6	-146.6	104.1	50.2	1.7	-1.7	0.8	-6.6	13
CashAndCashEquivalentBeginOfYear_A Cash Plus Cash Eqv. Begin Of Year Ann.	-37.5%	17.9%	42.2	52.8	26.2	172.8	68.7	18.5	16.8	18.5	17.8	24.4	11.4
IncomeTaxPaidSupplementalData_A Income Tax Paid Supplemental Data Ann.	0%	6.6%	6.6	2.5	5.1	6.6	5.5	4.8	3.3	3.1	4.6	2.5	3.4
InterestPaidSupplementalData_A Interest Paid Supplemental Data Ann.	80.3%	50.2%	62.7	67.5	44.7	10.7	7.4	8.2	12	9.4	5.7	5.1	4.8
CapitalExpenditure_A Capex Ann.	-	-	-1.3	-1.3	-2.6	-1.6	-1.1	-0.9	-0.5	-0.5	-0.2	-0.6	-0.8
IssuanceOfCapitalStock_A Issuance Of Capital Stock Ann.	-	-			-	-	-	-	-	-	-	-	-
IssuanceOfDebt_A Issuance Of Debt Ann.	-	-			40		9.9	20	10	0	0	0.5	5.3
RepaymentOfDebt_A Repayment Of Debt Ann.	-	-	-42	-35		-4.7	-26.8	-15	-3.1	-1	-2	-0.5	-0.7
RepurchaseOfCapitalStock_A Repurchase Of Capital Stock Ann.	-	-	-0.6	-0.3	-0.3	-1.3	-1.4	-2.1	-1.3	-1.5	-1	-3.2	-2.5
FreeCashFlow_A Free Cash Flow Ann.	3.7%	26.4%	35.2	31.9	23.9	31.6	37.6	10.9	21.3	21	15.5	15.6	12

*All financials are in USD Million and price data in USD

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Cash from Operating Act. Ann.

1Y CHG

9.9%

2Y CAGR

17.4%

3Y CAGR

3.2%

5Y CAGR

25.3%

7Y CAGR

7.9%

10Y CAGR

11%

Cash from Operating Activity Annual growth is stable compared to historical averages.

Quarterly
Competitors/Peers
Annual
Balance Sheet
Ratios
Cash Flow

51.90% Gain from 52W Low

Citizens Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

Citizens Fin Services Inc - Earnings Report - Quarterly Results

Citizens Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

Quarterly Revenue Citizens Fin Services Inc Jun-2026 Quarterly Revenue is $30 Million which is growth of 8.8% YoY.

Quarterly Net Profit Citizens Fin Services Inc Jun-2026 Quarterly Net Profit is $10 Million which is growth of 20.4% YoY.

Citizens Fin Services Inc - Competitors/Peers

Citizens Fin Services Inc competitor comparison and performance snapshot within industry

Citizens Fin Services Inc - Earnings Report - Annual Results

Citizens Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

Annual Revenue Citizens Fin Services Inc Dec-2025 Annual Revenue is $112 Million which is growth of 11.5% YoY.

Annual Net Profit Citizens Fin Services Inc Dec-2025 Annual Net Profit is $37 Million which is growth of 31.5% YoY.

Citizens Fin Services Inc - Balance Sheet

Citizens Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

Total Shareholders Fund Citizens Fin Services Inc Dec-2025 Total Shareholders Fund is $338 Million which is growth of 12.8% YoY.

Total Assets Citizens Fin Services Inc Dec-2025 Total Assets is $3,065 Million which is growth of 1.3% YoY.

Citizens Fin Services Inc - Ratios

Citizens Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

Book Value Per Share Citizens Fin Services Inc Book Value Per Share is $73 which is growth of 12.4% YoY.

ROE Citizens Fin Services Inc ROE is 0% which is growth of 0% YoY.

Citizens Fin Services Inc - Cash Flow

Citizens Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

Cash From Operating Activity Citizens Fin Services Inc Dec-2025 Cash From Operating Activity is $37 Million which is growth of 10.1% YoY.

Net Cash Flow Citizens Fin Services Inc Dec-2025 Net Cash Flow is $-8 Million which is growth of 25.5% YoY.