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Citizens Financial Services Inc vs Citizens & Northern Corp vs First Western Financial Inc vs Unity Bancorp Inc

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

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	Unity Bancorp Inc UNTY
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	$96.91M	n/a
Revenue growth (YoY)	n/a	n/a	+7.6%	n/a
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%	n/a
Net income	$36.57M	$23.43M	$13.19M	$57.95M
EPS (Diluted)	$7.62	n/a	$1.34	$5.67
Operating cash flow	$36.53M	$32.00M	-$1.80M	$44.91M
Free cash flow	$35.24M	$30.10M	-$5.77M	$44.34M
Cash & equivalents	$34.29M	$46.06M	n/a	n/a
Total assets	$3.06B	$3.13B	$3.15B	$2.97B
Total liabilities	$2.73B	$2.79B	$2.89B	$2.62B
Shareholders' equity	$338.05M	$341.71M	$265.56M	$345.63M
Return on year-end equity	10.8%	6.9%	5.0%	16.8%
Shares outstanding	n/a	17.82M	9.73M	9.98M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Citizens Financial Services Inc	Citizens & Northern Corp	First Western Financial Inc	Unity Bancorp Inc
Latest	n/a	n/a	$96.91M Ended 2025-12-31	n/a
1 year earlier	n/a	n/a	$90.07M Ended 2024-12-31	n/a
2 years earlier	n/a	n/a	$82.70M Ended 2023-12-31	n/a
3 years earlier	n/a	n/a	$107.93M Ended 2022-12-31	n/a
4 years earlier	n/a	n/a	$95.41M Ended 2021-12-31	n/a