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Citizens Financial Services
Citizens Financial Services (CZFS) investor relations material
Citizens Financial Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Net income for 2025 was $36.6 million, up 31.5% year-over-year, driven by higher net interest income and lower provision for credit losses compared to 2024.
Fourth quarter 2025 net income was $10.5 million, a 31.3% increase from the same period in 2024, with improved net interest margin and lower non-interest expenses.
Effective tax rate rose to 18.9% for 2025 from 17.4% in 2024.
Financial highlights
Net interest income before provision for credit losses increased 13.4% to $98.0 million for 2025.
Basic and diluted EPS for 2025 were $7.62, up from $5.80 and $5.79 in 2024.
Return on average assets improved to 1.21% for 2025 from 0.93% in 2024; return on average equity rose to 11.51% from 9.59%.
Net interest margin expanded to 3.50% in 2025 from 3.13% in 2024.
Non-interest income declined by $1.1 million year-over-year, mainly due to the prior year’s gain on the sale of Braavo and life insurance proceeds.
Non-interest expenses decreased by $704,000 to $64.9 million in 2025.
Outlook and guidance
Management notes ongoing competitive pressure for deposits and highlights the impact of economic forecasts on credit loss provisions.
Forward-looking statements caution about risks from economic conditions, interest rates, and regulatory changes.
Detail Q4 commercial loan non-accrual drivers
Future funding strategy given deposit trends?
Loan portfolio shifts: what is the strategy?
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Next Citizens Financial Services earnings date
Q1 202630 Apr, 2026
Citizens Financial Services
Next Citizens Financial Services earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank, which provides a range of financial services. The bank offers personal and business banking products, including savings and checking accounts, loans, and mortgages. It also provides wealth management, trust services, and insurance products. Citizens Financial Services primarily serves individuals, businesses, and agricultural clients. The company operates through a network of branch locations across Pennsylvania and New York, focusing on community-oriented banking solutions. The company is headquartered in Mansfield, Pennsylvania, and its shares are listed on the NASDAQ.
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