Citizens Financial Services Posts Q4 Net Income of $10.5M, Beats Revenue Forecasts

Citizens Financial Services Inc. (CZFS) reported Q4 net income of $10.5 million, or $2.18 per share, on January 29, 2026, with revenue of $44.5 million. Net revenue after interest expense totaled $29.6 million, surpassing analyst expectations. For full-year 2025, the Pennsylvania-based bank recorded profit of $36.6 million, or $7.62 per share, on total revenue of $112.3 million. The results reflect steady performance amid regional banking conditions.