Citizens Financial Services (CZFS) Revenue & Revenue Breakdown

OverviewOwnership Financials Chart

Citizens Financial Services Revenue Highlights

Latest Revenue (Y)

$154.32M

Latest Revenue (Q)

$35.32M

Main Segment (Y)

Community Banking

Main Geography (Y)

Service

Citizens Financial Services Revenue by Period

Citizens Financial Services Revenue by Year

Date	Revenue	Change
2024-12-31	$154.32M	78.74%
2023-12-31	$86.34M	5.45%
2022-12-31	$81.87M	4.41%
2021-12-31	$78.42M	6.53%
2020-12-31	$73.61M	26.21%
2019-12-31	$58.33M	6.20%
2018-12-31	$54.92M	7.87%
2017-12-31	$50.91M	11.00%
2016-12-31	$45.86M	19.88%
2015-12-31	$38.26M	1.49%
2014-12-31	$37.69M	1.36%
2013-12-31	$37.19M	-2.81%
2012-12-31	$38.26M	7.36%
2011-12-31	$35.64M	5.85%
2010-12-31	$33.67M	7.81%
2009-12-31	$31.23M	28.33%
2008-12-31	$24.34M	0.62%
2007-12-31	$24.19M	6.96%
2006-12-31	$22.61M	1.01%
2005-12-31	$22.39M	3.34%
2004-12-31	$21.66M	-1.98%
2003-12-31	$22.10M	0.37%
2002-12-31	$22.02M	15.84%
2001-12-31	$19.01M	29.76%
2000-12-31	$14.65M	3.86%
1999-12-31	$14.10M	461.24%
1998-12-31	$2.51M	-5.60%
1997-12-31	$2.66M	66.79%
1996-12-31	$1.60M	12.79%
1995-12-31	$1.42M	1.73%
1994-12-31	$1.39M	0.72%
1993-12-31	$1.38M	-

Citizens Financial Services generated $154.32M in revenue during NA 2024, up 78.74% compared to the previous quarter, and up 264.58% compared to the same period a year ago.

Citizens Financial Services Revenue by Quarter

Date	Revenue	Change
2025-06-30	$35.32M	-16.77%
2025-03-31	$42.44M	-1.60%
2024-12-31	$43.13M	1.62%
2024-09-30	$42.44M	2.92%
2024-06-30	$41.24M	-1.35%
2024-03-31	$41.80M	-0.47%
2023-12-31	$42.00M	4.09%
2023-09-30	$40.35M	38.71%
2023-06-30	$29.09M	6.63%
2023-03-31	$27.28M	2.32%
2022-12-31	$26.66M	8.94%
2022-09-30	$24.48M	12.73%
2022-06-30	$21.71M	7.24%
2022-03-31	$20.25M	-3.67%
2021-12-31	$21.02M	-0.84%
2021-09-30	$21.19M	1.99%
2021-06-30	$20.78M	-7.76%
2021-03-31	$22.53M	0.69%
2020-12-31	$22.38M	2.06%
2020-09-30	$21.92M	8.38%
2020-06-30	$20.23M	17.68%
2020-03-31	$17.19M	-3.08%
2019-12-31	$17.74M	-1.75%
2019-10-31	$18.05M	2.98%
2019-06-30	$17.53M	2.81%
2019-03-31	$17.05M	-0.09%
2018-12-31	$17.07M	4.89%
2018-09-30	$16.27M	2.51%
2018-06-30	$15.87M	3.80%
2018-03-31	$15.29M	36.13%
2017-12-31	$11.23M	-7.33%
2017-09-30	$12.12M	-1.40%
2017-06-30	$12.29M	2.16%
2017-03-31	$12.03M	0.53%
2016-12-31	$11.97M	2.99%
2016-09-30	$11.62M	4.18%
2016-06-30	$11.15M	0.30%
2016-03-31	$11.12M	12.16%
2015-12-31	$9.91M	4.26%
2015-09-30	$9.51M	-0.06%
2015-06-30	$9.52M	2.16%
2015-03-31	$9.31M	-1.86%
2014-12-31	$9.49M	-0.06%
2014-09-30	$9.50M	0.99%
2014-06-30	$9.40M	1.62%
2014-03-31	$9.26M	-1.31%
2013-12-31	$9.38M	-1.81%
2013-09-30	$9.55M	5.03%
2013-06-30	$9.09M	-0.77%
2013-03-31	$9.16M	-5.85%
2012-12-31	$9.73M	1.81%
2012-08-09	$9.56M	-0.47%
2012-06-30	$9.61M	2.18%
2012-03-31	$9.40M	-1.08%
2011-11-14	$9.50M	6.36%
2011-09-30	$8.94M	2.15%
2011-06-30	$8.75M	3.51%
2011-03-31	$8.45M	-3.33%
2010-11-12	$8.74M	3.36%
2010-08-12	$8.46M	1.50%
2010-05-10	$8.33M	2.41%
2010-03-31	$8.14M	0.82%
2009-11-12	$8.07M	2.92%
2009-09-30	$7.84M	0.47%
2009-06-30	$7.80M	3.89%
2009-03-31	$7.51M	2.47%
2008-12-31	$7.33M	126.37%
2008-09-30	$3.24M	-54.69%
2008-06-30	$7.15M	-

Citizens Financial Services generated $35.32M in revenue during Q2 2025, up -16.77% compared to the previous quarter, and up 84.50% compared to the same period a year ago.

Citizens Financial Services Revenue Breakdown

Citizens Financial Services Revenue Breakdown by Product

Annual Revenue by Product

Product/Service	Dec 24	Dec 20	Dec 19	Dec 18
Community Banking	$169.72M	-	-	-
Statement Fees	-	$207.00K	$206.00K	$206.00K
Interchange Revenue	-	$2.29M	$2.29M	$2.26M
Automated Teller Machine Income	-	$323.00K	$392.00K	$400.00K
Financial Service, Other	-	$339.00K	$348.00K	$350.00K
Service	-	$4.22M	$4.69M	$4.67M
Service Charges on Deposit Accounts, Other	-	$233.00K	$259.00K	$251.00K
Brokerage and Insurance	-	$1.30M	$1.14M	$790.00K
Overdraft Fees	-	$1.17M	$1.54M	$1.55M
Trust Fees	-	$803.00K	$750.00K	$705.00K

Citizens Financial Services's latest annual revenue breakdown by segment (product or service), as of Dec 24: Community Banking (100.00%).

Quarterly Revenue by Product

Product/Service	Jun 25	Mar 25	Mar 21	Dec 20	Sep 20	Jun 20	Mar 20	Dec 19	Jun 19	Mar 19	Dec 18	Sep 18	Jun 18	Mar 18
Community Banking	$42.41M	$42.44M	-	-	-	-	-	-	-	-	-	-	-	-
Brokerage and Insurance	-	-	$376.00K	$356.00K	$352.00K	$249.00K	$340.00K	$298.00K	$261.00K	$293.00K	$219.00K	$222.00K	$168.00K	$181.00K
Overdraft Fees	-	-	$258.00K	$324.00K	$282.00K	$206.00K	$359.00K	$404.00K	$369.00K	$358.00K	$408.00K	$395.00K	$381.00K	$367.00K
Interchange Revenue	-	-	$639.00K	$594.00K	$616.00K	$555.00K	$522.00K	$570.00K	$595.00K	$540.00K	$588.00K	$566.00K	$574.00K	$531.00K
Automated Teller Machine Income	-	-	$98.00K	$82.00K	$99.00K	$59.00K	$83.00K	$92.00K	$101.00K	$91.00K	$99.00K	$104.00K	$101.00K	$96.00K
Service Charges on Deposit Accounts, Other	-	-	$55.00K	$63.00K	$65.00K	$44.00K	$61.00K	$70.00K	$59.00K	$59.00K	$66.00K	$66.00K	$63.00K	$56.00K
Service	-	-	$1.11M	$1.11M	$1.11M	$914.00K	$1.08M	$1.19M	$1.17M	$1.10M	$1.21M	$1.18M	$1.17M	-
Statement Fees	-	-	$56.00K	$51.00K	$50.00K	$50.00K	$56.00K	$53.00K	$50.00K	$51.00K	$51.00K	$50.00K	$51.00K	$54.00K
Financial Service, Other	-	-	$109.00K	$78.00K	$95.00K	$138.00K	$107.00K	$81.00K	$76.00K	$111.00K	$105.00K	$84.00K	$78.00K	$85.00K
Trust Fees	-	-	$307.00K	$261.00K	$199.00K	$145.00K	$198.00K	$161.00K	$209.00K	$232.00K	$157.00K	$147.00K	$150.00K	$251.00K
Service Charges on Deposit Accounts	-	-	-	-	-	-	-	-	-	-	-	-	-	$1.10M

Citizens Financial Services's latest quarterly revenue breakdown by segment (product or service), as of Jun 25: Community Banking (100.00%).

Citizens Financial Services Revenue Breakdown by Country

Annual Revenue by Country

Country	Dec 20	Dec 19	Dec 18
Trust Fees	$803.00K	$750.00K	$705.00K
Statement Fees	$207.00K	$206.00K	$206.00K
Service	$4.22M	$4.69M	$4.67M
Automated Teller Machine Income	$323.00K	$392.00K	$400.00K
Service Charges on Deposit Accounts, Other	$233.00K	$259.00K	$251.00K
Overdraft Fees	$1.17M	$1.54M	$1.55M
Interchange Revenue	$2.29M	$2.29M	$2.26M
Financial Service, Other	$339.00K	$348.00K	$350.00K
Brokerage and Insurance	$1.30M	$1.14M	$790.00K

Citizens Financial Services's latest annual revenue breakdown by geography, as of Dec 20: Service (38.79%), Interchange Revenue (21.02%), Brokerage and Insurance (11.92%), Overdraft Fees (10.76%), Trust Fees (7.38%), Financial Service, Other (3.12%), Automated Teller Machine Income (2.97%), Service Charges on Deposit Accounts, Other (2.14%), and Statement Fees (1.90%).

Quarterly Revenue by Country

Country	Mar 21	Dec 20	Sep 20	Jun 20	Mar 20	Dec 19	Jun 19	Mar 19	Dec 18	Sep 18	Jun 18	Mar 18
Automated Teller Machine Income	$98.00K	$82.00K	$99.00K	$59.00K	$83.00K	$92.00K	$101.00K	$91.00K	$99.00K	$104.00K	$101.00K	$96.00K
Brokerage and Insurance	$376.00K	$356.00K	$352.00K	$249.00K	$340.00K	$298.00K	$261.00K	$293.00K	$219.00K	$222.00K	$168.00K	$181.00K
Financial Service, Other	$109.00K	$78.00K	$95.00K	$138.00K	$107.00K	$81.00K	$76.00K	$111.00K	$105.00K	$84.00K	$78.00K	$85.00K
Interchange Revenue	$639.00K	$594.00K	$616.00K	$555.00K	$522.00K	$570.00K	$595.00K	$540.00K	$588.00K	$566.00K	$574.00K	$531.00K
Overdraft Fees	$258.00K	$324.00K	$282.00K	$206.00K	$359.00K	$404.00K	$369.00K	$358.00K	$408.00K	$395.00K	$381.00K	$367.00K
Service Charges on Deposit Accounts, Other	$55.00K	$63.00K	$65.00K	$44.00K	$61.00K	$70.00K	$59.00K	$59.00K	$66.00K	$66.00K	$63.00K	$56.00K
Service	$1.11M	$1.11M	$1.11M	$914.00K	$1.08M	$1.19M	$1.17M	$1.10M	$1.21M	$1.18M	$1.17M	-
Statement Fees	$56.00K	$51.00K	$50.00K	$50.00K	$56.00K	$53.00K	$50.00K	$51.00K	$51.00K	$50.00K	$51.00K	$54.00K
Trust Fees	$307.00K	$261.00K	$199.00K	$145.00K	$198.00K	$161.00K	$209.00K	$232.00K	$157.00K	$147.00K	$150.00K	$251.00K
Service Charges on Deposit Accounts	-	-	-	-	-	-	-	-	-	-	-	$1.10M

Citizens Financial Services's latest quarterly revenue breakdown by geography, as of Mar 21: Service (36.82%), Interchange Revenue (21.27%), Brokerage and Insurance (12.52%), Trust Fees (10.22%), Overdraft Fees (8.59%), Financial Service, Other (3.63%), Automated Teller Machine Income (3.26%), Statement Fees (1.86%), and Service Charges on Deposit Accounts, Other (1.83%).

Citizens Financial Services Peer Comparison by Revenue

Ticker	Company	Last Year Revenue	Last Quarter Revenue
FNLC	First Bancorp	$148.83B	$28.84M
LNKB	LINKBANCORP	$167.59M	$39.33M
NECB	Northeast Community Bancorp	$160.01M	$-39.11M
CZFS	Citizens Financial Services	$154.32M	$35.32M
CZNC	Citizens & Northern	$128.08M	$40.60M
PKBK	Parke Bancorp	$125.11M	$35.84M
WSBF	Waterstone Financial	$113.17M	$53.02M
FDBC	Fidelity D & D Bancorp	$107.02M	$1.28K
TSBK	Timberland Bancorp	$105.94M	$25.54M
COSO	CoastalSouth Bancshares	$69.28M	$31.70M
PLBC	Plumas Bancorp	-	$22.99M

CZFS Revenue FAQ

What is Citizens Financial Services’s yearly revenue?

Citizens Financial Services's yearly revenue for 2024 was $154.32M, representing an increase of 78.74% compared to 2023. The company's yearly revenue for 2023 was $86.34M, representing an increase of 5.45% compared to 2022. CZFS's yearly revenue for 2022 was $81.87M, representing an increase of 4.41% compared to 2021.

What is Citizens Financial Services’s quarterly revenue?

Citizens Financial Services's quarterly revenue for Q2 2025 was $35.32M, a -16.77% decrease from the previous quarter (Q1 2025), and a -14.35% decrease year-over-year (Q2 2024). The company's quarterly revenue for Q1 2025 was $42.44M, a -1.60% decrease from the previous quarter (Q4 2024), and a 1.53% increase year-over-year (Q1 2024). CZFS's quarterly revenue for Q4 2024 was $43.13M, a 1.62% increase from the previous quarter (Q3 2024), and a 2.69% increase year-over-year (Q4 2023).

What is Citizens Financial Services’s revenue growth rate?

Citizens Financial Services's revenue growth rate for the last 3 years (2022-2024) was 88.49%, and for the last 5 years (2020-2024) was 109.63%.

What are Citizens Financial Services’s revenue streams?

Citizens Financial Services's revenue streams in c 24 are Community Banking

What is Citizens Financial Services’s main source of revenue?

For the fiscal year ending Dec 24, the largest source of revenue of Citizens Financial Services was Community Banking. This segment made a revenue of $169.72M, representing 100.00% of the company's total revenue.