Economic Atlas
WORKSPACE
OverviewScreenerWatchlistChatAccount
EXPLORE
CompaniesPlacesPlace screenerMethodology
Terms·Privacy
Economic Atlas
HomeScreenerChatCompanies
Economic Atlas
WORKSPACE
OverviewScreenerWatchlistChatAccount
EXPLORE
CompaniesPlacesPlace screenerMethodology
Terms·Privacy
Economic Atlas
Companies/Citizens Financial Services, Inc.
Company profile

Citizens Financial Services, Inc.

NASDAQ: CZFS · Financial Services · Banks - Regional
PublicHQ Mansfield, PA · TiogaCIK 0000739421Reports USD
#644 of 1,011 Financial Services companies by revenue35th-percentile growth
EA Score
61C
FH 66DQ 54GM 54SS 72
v0.1 · 65/100 weight · provisional
↑ growth stability, Piotroski F · ↓ revenue growth (YoY), 3-yr revenue growth
Methodology →
Revenue TTM
$174.8M
Rev growth YoY (TTM)
+3.3%
Net income (FY)
$36.6M
Employees
379
Market cap
$347.0M
OverviewFinancialsSegmentsFilingsESGPeople & Places

Financials — latest annual

SEC EDGAR · USD-normalized
ConceptUSDNativeFY
Revenue$9.9M$9.9M2025
Net income$36.6M$36.6M2025
Total assets$3.1B$3.1B2025
Liabilities$2.7B$2.7B2025
Equity$338.1M$338.1M2025

Revenue trend

FY2018 – FY2025 · USD
$6.5M
FY18
$6.9M
FY19
$6.7M
FY20
$7.7M
FY21
$8.6M
FY22
$9.0M
FY23
$9.6M
FY24
$9.9M
FY25

Revenue by segment

Filed disclosures · FY2025
By product
Community Banking Member100%
By geography

Not disclosed.

The read

Citizens Financial Services, Inc. booked $9.9M in FY2025 revenue, growing 2.8% year over year — slower than 65% of Financial Services companies we track, at a 370.1% net margin.

Peers · Financial Services
MBIA Inc.45DTrailblazer Acquisition Corp.——Enhanced Group Inc. Class A——Oyster Enterprises II Acquisition Corp——
Neighbors
Tioga →
Citizens & Northern Corporation——Premier Biomedical, Inc.$14.3k——
Key facts
CEORandall E. Black
SectorFinancial Services
IndustryBanks - Regional
HeadquartersMansfield, PA
ExchangeNASDAQ: CZFS
Employees379
IPO date1999-01-04
Latest filings
8-K2026-06-2210-Q2026-05-078-K2026-04-298-K2026-04-298-K2026-04-228-K2026-04-2110-K2026-03-12DEF 14A2026-03-12
Financials: SEC EDGAR (XBRL), USD-normalized per IAS 21 · TTM/quarterly + segments: FMP from filed disclosures · Filings: EDGAR submissions. County headcount and EA Score are in progress — see docs/DATA_GAPS.md.
HomeScreenerChatCompanies