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Citizens Financial Services (CZFS) investor relations material
Citizens Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for the first nine months of 2025 rose 31.5% year-over-year to $26.1 million, driven by higher net interest income and lower provision for credit losses.
Third quarter 2025 net income was $10.0 million, up $2.5 million or 32.7% from the prior year period.
Basic earnings per share were $5.44 for the nine months and $2.09 for the quarter, both up from 2024.
Financial highlights
Net interest income before provision for credit losses increased 12.9% year-over-year for the nine months to $71.8 million.
Net interest margin improved to 3.44% for the nine months and 3.60% for the quarter, up from 3.09% in 2024.
Non-interest income for the nine months was $10.9 million, down $1.1 million year-over-year due to prior year gains from the Braavo division sale and life insurance proceeds.
Non-interest expenses for the nine months were $48.7 million, slightly lower than 2024, with higher salary and benefit costs offset by lower professional and software fees.
Total assets reached $3.06 billion at September 30, 2025, up from $3.03 billion at year-end 2024.
Outlook and guidance
The company 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.
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Next Citizens Financial Services earnings date
Q4 202530 Jan, 2026
Next Citizens Financial Services earnings date
Q4 202530 Jan, 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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