Revenue
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Citizens Financial Services Inc (CZFS)
Price$83.85Cached quote
Net income
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Free cash flow
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Total cash / debt
CashTotal debt
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Financial statements
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $112.3M | $101.9M | $91.9M | $81.9M | $78.4M | $73.6M | $58.3M | $54.9M | $50.9M | $45.9M | $38.3M | $37.7M | $37.3M | $38.4M | $35.5M | $34.0M | $31.5M |
| Operating expenses | $64.7M | $65.4M | $64.8M | $44.7M | $41.5M | $40.8M | $33.3M | $31.6M | $29.3M | $28.7M | $23.4M | $20.2M | $19.8M | $19.4M | $18.4M | $18.0M | $18.0M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M | $29.1M | $25.1M | $19.5M | $18.0M | $13.0M | $12.6M | $11.6M | $13.4M | $13.4M | $14.2M | $12.8M | $11.5M | $9.9M |
| Net profit margin | 32.55% | 27.31% | 19.39% | 35.49% | 37.13% | 34.10% | 33.42% | 32.84% | 25.58% | 27.56% | 30.39% | 35.51% | 35.82% | 37.02% | 36.12% | 33.87% | 31.33% |
| Basic EPSper basic share | $7.62 | $5.80 | $3.98 | $7.17 | $7.24 | $6.46 | $5.42 | $5.04 | $3.67 | $3.57 | $3.60 | $4.36 | $4.38 | $4.61 | $4.16 | $3.90 | $3.37 |
| Diluted EPSper diluted share | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 | $6.46 | $5.41 | $5.04 | $3.67 | $3.57 | $3.60 | $4.36 | $4.38 | $4.60 | $4.16 | $3.90 | — |
Owners
Reported shareholders
Reported holdings Number of shares
View holders
| Holder | Shares held |
|---|---|
BlackRock, Inc. | 354.55K |
VANGUARD CAPITAL MANAGEMENT LLC | 200.79K |
GEODE CAPITAL MANAGEMENT, LLC | 119.81K |
CITIZENS & NORTHERN CORP | 117.06K |
STATE STREET CORP | 92.84K |
Hudock, Inc. | 78.09K |
AMERICAN CENTURY COMPANIES INC | 44.11K |
CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 38.7K |
NORTHERN TRUST CORP | 37.37K |
VANGUARD FIDUCIARY TRUST CO | 32.19K |
DIMENSIONAL FUND ADVISORS LP | 31.64K |
VANGUARD PORTFOLIO MANAGEMENT LLC | 31.31K |
SEGALL BRYANT & HAMILL, LLC | 20.7K |
De Lisle Partners LLP | 20.52K |
Quantinno Capital Management LP | 20.4K |
Cyndeo Wealth Partners, LLC | 16.38K |
Bank of New York Mellon Corp | 16.38K |
GOLDMAN SACHS GROUP INC | 11.98K |
LAWOOD & CO | 10.73K |
Cambridge Investment Research Advisors, Inc. | 10.21K |
Bars compare reported share counts. A matching total for this share class and reporting period is unavailable, so percentages are not shown.
Source: SEC Form 13F ↗Updated Sep 29, 2026 · Quarterly data
Insider buys & sells
| Transaction | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| Jun 25, 2026Form 4 | Gephart LeeAnnEXECUTIVE VICE PRESIDENT | SellCOMMON CLASS | 29 | $66.52 | $1.9K | 808 |
| May 29, 2026Form 4 | Guillaume Stephen JSENIOR VICE PRESIDENT | BuyCOMMON CLASS | 34 | $61.78 | $2.1K | 4.7K |
| May 28, 2026Form 4 | Gephart LeeAnnEXECUTIVE VICE PRESIDENT | SellCOMMON CLASS | 24 | $64.78 | $1.6K | 837 |
| May 12, 2026Form 4 | Painter John P IIDirector | BuyCOMMON CLASS | 140 | $63.67 | $8.9K | 3.7K |
| Mar 6, 2026Form 4 | Painter John P IIDirector | BuyCOMMON CLASS | 675 | $61.00 | $41.2K | 3.4K |