Compare
Citizens Financial Services Inc vs Citizens & Northern Corp vs First Western Financial Inc vs Acnb Corp
| Latest fiscal year | Citizens Financial Services Inc CZFSRevenue covers only part of its income (partial revenue) | Citizens & Northern Corp CZNC | First Western Financial Inc MYFW | Acnb Corp ACNB |
|---|---|---|---|---|
| Year ended | 2025-12-31 | 2025-12-31 | 2025-12-31 | 2025-12-31 |
| Revenue | n/a | n/a | $96.91M | $191.82M |
| Revenue growth (YoY) | n/a | n/a | +7.6% | +45.1% |
| Gross margin | n/a | n/a | n/a | n/a |
| Operating margin | n/a | n/a | n/a | n/a |
| Net margin | n/a | n/a | 13.6% | 19.3% |
| Net income | $36.57M | $23.43M | $13.19M | $37.05M |
| EPS (Diluted) | $7.62 | n/a | $1.34 | $3.60 |
| Operating cash flow | $36.53M | $32.00M | -$1.80M | $53.64M |
| Free cash flow | $35.24M | $30.10M | -$5.77M | $52.57M |
| Cash & equivalents | $34.29M | $46.06M | n/a | $65.65M |
| Total assets | $3.06B | $3.13B | $3.15B | $3.23B |
| Total liabilities | $2.73B | $2.79B | $2.89B | $2.81B |
| Shareholders' equity | $338.05M | $341.71M | $265.56M | $419.97M |
| Return on year-end equity | 10.8% | 6.9% | 5.0% | 8.8% |
| Shares outstanding | n/a | 17.82M | 9.73M | 10.37M |
Revenue, most recent five fiscal years
| Fiscal year | Citizens Financial Services Inc | Citizens & Northern Corp | First Western Financial Inc | Acnb Corp |
|---|---|---|---|---|
| Latest | n/a | n/a | $96.91M Ended 2025-12-31 | $191.82M Ended 2025-12-31 |
| 1 year earlier | n/a | n/a | $90.07M Ended 2024-12-31 | $132.19M Ended 2024-12-31 |
| 2 years earlier | n/a | n/a | $82.70M Ended 2023-12-31 | $115.08M Ended 2023-12-31 |
| 3 years earlier | n/a | n/a | $107.93M Ended 2022-12-31 | $108.86M Ended 2022-12-31 |
| 4 years earlier | n/a | n/a | $95.41M Ended 2021-12-31 | n/a |