Citizens Financial Services (CZFS)
Runs a regional community bank across Pennsylvania, southern New York, Delaware, and New Jersey.
$78.99
After hours+0.91 (+1.16%)
At close$78.09(−3.04%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 40 | 42 | 42 | 41 | 42 | 43 | 42 | 42 | 44 | 44 | 44 | 44 |
| Cost of revenue | 15 | 17 | 18 | 19 | 17 | 17 | 17 | 16 | 16 | 15 | 15 | 14 |
| Gross profit | 26 | 25 | 24 | 23 | 25 | 26 | 26 | 27 | 28 | 29 | 29 | 29 |
| 16 | 16 | 16 | 16 | 16 | 17 | 16 | 16 | 16 | 16 | 16 | 17 | |
| 10 | 10 | 11 | 10 | 10 | 10 | 11 | 10 | 19 | 11 | 1 | 17 | |
| General & administrative | 10 | 10 | 11 | 10 | 10 | 10 | 11 | 10 | 19 | 11 | 1 | 0 |
| Other expenses | 6 | 6 | 5 | 6 | 6 | 7 | 6 | 6 | −3 | 5 | 16 | 0 |
| Operating income | 9 | 9 | 9 | 6 | 9 | 10 | 9 | 10 | 12 | 13 | 13 | 12 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 36 | 38 | 38 | 38 | 38 | 39 | 39 | 38 | 77 | 41 | 40 | 40 |
| Interest expense | 14 | 17 | 17 | 17 | 17 | 17 | 16 | 15 | 15 | 15 | 14 | 14 |
| Income before tax | 9 | 9 | 9 | 6 | 9 | 10 | 9 | 10 | 12 | 13 | 13 | 12 |
| Income tax expense | 2 | 2 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Net income from continuing operations | 8 | 8 | 7 | 5 | 8 | 8 | 8 | 8 | 10 | 10 | 10 | 10 |
| Net income | 8 | 8 | 7 | 5 | 8 | 8 | 8 | 8 | 10 | 10 | 10 | 10 |
| EPS, basic | $1.59 | $1.57 | $1.46 | $1.09 | $1.57 | $1.66 | $1.59 | $1.76 | $2.09 | $2.19 | $2.16 | $2.13 |
| EPS, diluted | $1.59 | $1.57 | $1.46 | $1.09 | $1.57 | $1.66 | $1.58 | $1.76 | $2.09 | $2.18 | $2.16 | $2.12 |
| Weighted average shares, basic | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Weighted average shares, diluted | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| EBITDA | 10 | 10 | 9 | 7 | 10 | 10 | 10 | 11 | 11 | 14 | 13 | 13 |
| Depreciation & amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −1 | 1 | 0 | 0 |
| EBIT | 9 | 9 | 9 | 6 | 9 | 10 | 9 | 10 | 12 | 13 | 13 | 12 |