Citizens Financial Services, Inc.
Citizens Financial Services, Inc. (Nasdaq: CZFS) is a bank holding company whose principal subsidiary, First Citizens Community Bank, provides banking and trust services to individual, business, governmental and institutional customers. Its offerings include checking, savings and time-deposit accounts; residential,… From the company’s description.
Over the twelve months to Sep 30, 2026, Citizens Financial Services, Inc. reported revenue of $120.69M, up 10.8% from a year earlier, and net income of $42.97M. Its pre-tax margin was 43.6%. In fiscal 2025, it reported revenue of $112.34M, up 10.3% from fiscal 2024, and net income of $36.57M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Citizens Financial Services, Inc. does
In the company’s own words
Citizens Financial Services, Inc. (Nasdaq: CZFS) is a bank holding company whose principal subsidiary, First Citizens Community Bank, provides banking and trust services to individual, business, governmental and institutional customers. Its offerings include checking, savings and time-deposit accounts; residential, commercial and agricultural real estate loans; commercial and industrial, municipal and consumer loans; and investment, estate, mineral management and retirement services. The company also operates First Citizens Insurance Agency. The bank serves communities in Pennsylvania, southern New York, Delaware and parts of New Jersey through 38 full-service offices, two limited branch offices and two mortgage centers. Its expansion includes the 2020 merger with MidCoast Community Bancorp and the 2023 acquisition of HV Bancorp, adding operations in Delaware and southeastern Pennsylvania. At December 31, 2025, the company had 405 employees. Its website is www.firstcitizensbank.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- MANSFIELD, PA
- Fiscal year end
- December
- CIK
- 739421
- SIC
- 6022
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Citizens Financial Services, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Citizens Financial Services, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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