Citizens Financial Services posts FY net income of USD 36.6 million, up 31.5%
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Citizens Financial Services Inc. (Nasdaq: CZFS) reported a net income of USD 36.6 million for FY 2025, marking a 31.5% increase. In Q4 2025, net income was USD 10.5 million, with basic earnings per share at USD 7.62 for the full year and USD 2.19 for the quarter. Cash dividends were USD 1.98 per share for FY 2025 and USD 0.50 for Q4. Interest income for Q4 was USD 41.2 million, and the effective tax rate for 2025 was 18.9%.
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