Short answer
CITIZENS FINANCIAL SERVICES INC (CZFS) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $3M (up 10.5% year over year) with net income of $10M.
Q3 2025 key financials · XBRL
- Revenue
- $3M
- +10.5% YoY · +17.1% QoQ
- Net income
- $10M
- +32.8% YoY · +18.2% QoQ
- EPS (diluted)
- $2.09
- +32.3% YoY · +19.4% QoQ
Source: XBRL data from the CITIZENS FINANCIAL SERVICES INC (CZFS) Q3 2025 10-Q on SEC EDGAR. USD.
CITIZENS FINANCIAL SERVICES INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- No material changes stated; risks remain substantially consistent with the 2024 10-K
- Regional credit concentration across Pennsylvania, New York, Delaware, and New Jersey, with $2.34B in loans
- Securities-market risk from $23.27M in unrealized losses on available-for-sale securities
- Commercial real estate exposure of $1.18B, the largest loan portfolio segment
- Liquidity sensitivity with cash and equivalents declining to $31.08M from $42.20M
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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