Citizens Financial (CZFS) Q2 EPS Up 60%
Citizens Financial Services (NASDAQ:CZFS), a regional community bank operating across Pennsylvania, New York, Delaware, and New Jersey, reported strong financial results for the second quarter of fiscal 2025. The earnings release, published on July 30, 2025, delivered headline news with GAAP earnings per share of $1.76, beating analyst expectations of $1.60 (GAAP). Net income (GAAP) reached $8.5 million, a 60.4% rise from the prior year, amid improving net interest margins and tighter expense control. Despite these positive trends, higher non-performing assets stemming from acquired loans and deposit outflows stand out as ongoing areas needing attention. The period’s results point to solid execution and improved profitability but also highlight persistent challenges within the balance sheet.
Source: Analyst estimates for the quarter provided by FactSet.
Citizens Financial Services is a community-focused bank providing a range of deposit, lending, trust, and brokerage services. It serves both consumer and business customers, concentrating on markets with a strong presence in agriculture, manufacturing, and natural resources. The bank’s core business involves originating residential and commercial real estate loans, agricultural financing, and offering traditional deposit accounts.
Source Fool.com
