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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, with EPS up 31.4% to $5.44 per share and annualized ROA and ROE at 1.16% and 11.15%, respectively.
For Q3 2025, net income increased 33.1% year-over-year to $10.0 million, with EPS at $2.09 and ROA and ROE at 1.33% and 12.52%.
Growth was driven by higher net interest income and lower provision for credit losses.
Financial highlights
Net interest income for the nine months ended September 30, 2025 was $71.8 million, up 12.9% year-over-year, with net interest margin improving to 3.44%.
Non-interest income declined 9.3% to $10.95 million, mainly due to the absence of a prior year gain on sale of a division.
Non-interest expense was flat at $48.7 million, with higher salaries offset by lower professional and software fees.
Total assets reached $3.06 billion, up from $3.03 billion at year-end 2024.
Loans grew 1.0% to $2.34 billion, while deposits increased 1.2% to $2.41 billion since year-end.
Outlook and guidance
Management expects sufficient liquidity and capital to meet obligations and support growth.
The investment strategy focuses on mortgage-backed securities and managing interest rate risk.
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.
No material changes in risk factors or outlook were reported for the remainder of 2025.
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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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