CITIZENS FINANCIAL SERVICES INCCZFSEarnings & Financial Report
Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island. The company owns the bank Citizens Bank, N.A., which operates in the U.S. states of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC.
Revenue
$29.0M
Gross Profit
N/A
Operating Profit
$12.4M
Net Profit
$10.0M
Gross Margin
N/A
Operating Margin
42.6%
Net Margin
34.5%
YoY Growth
15.6%
EPS
$2.09
CITIZENS FINANCIAL SERVICES INC Q3 FY2025 Financial Summary
CITIZENS FINANCIAL SERVICES INC reported revenue of $29.0M (up 15.6% YoY) for Q3 FY2025, with a net profit of $10.0M (up 32.8% YoY) (34.5% margin).
Key Financial Metrics
| Total Revenue | $29.0M |
|---|---|
| Net Profit | $10.0M |
| Gross Margin | N/A |
| Operating Margin | 42.6% |
| Report Period | Q3 FY2025 |
CITIZENS FINANCIAL SERVICES INC Annual Revenue by Year
CITIZENS FINANCIAL SERVICES INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $112.3M).
| Year | Annual Revenue |
|---|---|
| 2025 | $112.3M |
| 2024 | $101.9M |
| 2023 | $9.0M |
| 2022 | $8.6M |
CITIZENS FINANCIAL SERVICES INC Quarterly Revenue & Net Profit History
CITIZENS FINANCIAL SERVICES INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $29.6M | +13.0% | $10.5M | 35.4% |
| Q3 FY2025 | $29.0M | +15.6% | $10.0M | 34.5% |
| Q2 FY2025 | $27.3M | +10.9% | $8.5M | 31.0% |
| Q1 FY2025 | $26.4M | +1.9% | $7.6M | 28.8% |
| Q4 FY2024 | $26.2M | +3.4% | $8.0M | 30.5% |
| Q3 FY2024 | $25.1M | -3.8% | $7.5M | 30.0% |
| Q2 FY2024 | $24.6M | +22.0% | $5.3M | 21.4% |
| Q1 FY2024 | $25.9M | +28.0% | $7.0M | 27.1% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.9M | $24.6M | $25.1M | $26.2M | $26.4M | $27.3M | $29.0M | $29.6M |
| YoY Growth | 28.0% | 22.0% | -3.8% | 3.4% | 1.9% | 10.9% | 15.6% | 13.0% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $2.92B | $2.95B | $3.03B | $3.03B | $3.02B | $2.97B | $3.06B | $3.06B |
| Liabilities | $2.64B | $2.66B | $2.73B | $2.73B | $2.71B | $2.65B | $2.73B | $2.73B |
| Equity | $282.7M | $286.5M | $298.7M | $299.7M | $308.3M | $313.7M | $327.7M | $338.1M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $13.5M | $3.0M | $6.2M | $33.2M | $10.9M | $6.0M | $2.9M | $36.5M |