C

    Citizens Financial Services Inc. Common Stock (CZFS)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $80.34
    -0.64 (-0.79%)

    Market Cap: $389.50M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    73%(27/37)
    Avg Surprise
    +214.25%
    Streak
    8 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$2.20
    Range$2.20 - $2.20
    1 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate Drift
    90d ago$1.95-11.4%
    60d ago$2.02-8.2%
    30d ago$2.02-8.2%
    7d ago$2.02-8.2%
    Current$2.20
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    Dec 31, 2026
    EPS Consensus$2.56
    Range$2.56 - $2.56
    1 analysts
    Revenue Consensus
    $0
    Range$0 - $0
    0 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$2.56---
    Sep 26EST
    		-$2.20---
    Jun 26
    		$2.12$1.98+7.07%Beat+20.5%
    Mar 26
    		$2.16$1.98+9.09%Beat+36.7%
    Dec 25
    		$2.18$2.07+5.31%Beat+31.3%
    Sep 25
    		$2.09$1.76+18.75%Beat+33.1%
    Jun 25
    		$1.76$1.60+10.00%Beat+36.4%
    Mar 25
    		$1.58$1.48+6.76%Beat+8.2%
    Dec 24
    		$1.66$1.52+9.21%Beat+5.7%
    Sep 24
    		$1.57$1.37+14.60%Beat-4.3%
    Jun 24
    		$1.29$1.30-0.77%Miss-14.0%
    Mar 24
    		$1.46$1.52-3.95%Miss-15.6%
    Dec 23
    		$1.57$1.59-1.26%Miss-18.7%
    Sep 23
    		$1.64$1.54+6.49%Beat-10.9%
    Jun 23
    		$1.50$-0.02+7600.00%Beat-11.2%
    Mar 23
    		$1.73$1.80-3.89%Miss+5.5%
    Dec 22
    		$1.93$1.90+1.58%Beat+14.2%
    Sep 22
    		$1.84$1.83+0.55%Beat+7.0%
    Jun 22
    		$1.69$1.69+0.00%Beat+4.3%
    Mar 22
    		$1.64$1.67-1.80%Miss-7.9%
    Dec 21
    		$1.69$1.73-2.31%Miss-4.0%
    Sep 21
    		$1.72$1.67+2.99%Beat-11.3%
    Jun 21
    		$1.62$1.67-2.99%Miss+22.7%
    Mar 21
    		$1.78$1.57+13.38%Beat+35.9%
    Dec 20
    		$1.76$1.75+0.57%Beat+26.6%
    Sep 20
    		$1.94$1.70+14.12%Beat+33.8%
    Jun 20
    		$1.32$0.82+60.98%Beat+1.5%
    Mar 20
    		$1.31$1.00+31.00%Beat+11.0%
    Dec 19
    		$1.39$1.32+5.30%Beat+15.8%
    Sep 19
    		$1.45$1.31+10.69%Beat+18.9%
    Jun 19
    		$1.30$1.17+11.11%Beat+4.0%
    Mar 19
    		$1.18$1.26-6.35%Miss+4.4%
    Dec 18
    		$1.20$1.23-2.44%Miss+9.1%
    Sep 18
    		$1.22$1.20+1.67%Beat+25.8%
    Jun 18
    		$1.25$1.11+12.61%Beat+30.1%
    Mar 18
    		$1.13$1.06+6.60%Beat+21.4%
    Dec 17
    		$1.10$0.56+96.43%Beat+23.7%
    Sep 17
    		$0.97$0.95+2.11%Beat+10.1%
    Jun 17
    		$0.96$1.02-5.78%Miss-
    Mar 17
    		$0.93N/AN/ABeat-
    Dec 16
    		$0.89N/AN/ABeat-
    Sep 16
    		$0.88N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield2.50%
    Annual/Share$2.01
    Payout Ratio23.49%
    Frequency4
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+1.38%
    5Y CAGR+0.61%
    View CZFS's full dividend history

    Key Metrics

    Valuation
    P/E Ratio9.40EV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin35.80%Operating Margin44.50%
    ROE12.30%ROIC5.50%
    Financial Health
    Debt/Equity1.12xInterest Coverage0.87x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.38Avg Volume42.34K
    52-Week High$84.3552-Week Low$51.11

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$81.10
    SMA 20$81.54
    SMA 50$76.42
    SMA 200$65.16
    EMA 10$80.93
    EMA 20$80.30
    EMA 50$76.71
    EMA 200$67.46

    MACD

    Line: 1.27Signal: 1.79Hist: -0.52

    ADX

    ADX: 21.0+DI: 15.8-DI: 13.0

    Aroon & PSAR

    Aroon Up68.0
    Aroon DownN/A
    PSAR$83.56

    Bollinger Bands

    Upper Band$83.48
    Lower Band$79.60
    %B Position477%(Upper)
    Band Width0.19

    RSI (14-Day)

    Neutral
    53.2

    Momentum Oscillators

    Stoch %K40.9
    Stoch %D41.7
    Williams %R-67.2
    ROC (10d)-1.9%
    Momentum-1.55
    CCI (20d)-85.0
    MFI (14d)53.8

    Volatility Measures

    ATR (14d)$2.64(3.3%)
    StdDev (20d)0.97
    Hist Vol36.4%(Moderate)

    Volume Flow

    VWAP$80.60
    OBV243.5K
    AD Line-113704148806.2B
    CMF (20d)0.083

    Volume Metrics

    Avg Vol (20d)43.5K
    Vol Ratio0.3x(Low)
    VWMA (20d)$81.59

    Pivot Points

    R3$83.43
    R2$82.71
    R1$81.85
    Pivot Point$81.13
    S1$80.27
    S2$79.55
    S3$78.69

    Advanced Oscillators

    TSI15.34
    Ultimate Osc47.2
    KST78.07

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$29.71M$29.80M$29.61M$28.99M$27.31M$26.43M$26.21M$25.08M$24.64M$25.93M$25.34M$26.07M
    Cost of RevenueN/A$14.66M$15.44M$15.61M$15.85M$16.64M$16.92M$17.16M$18.60M$17.76M$16.86M$14.76M
    Gross ProfitN/A$29.11M$29.04M$28.49M$26.56M$25.80M$26.21M$25.28M$22.63M$24.04M$25.14M$25.59M
    Operating Expenses$16.87M$16.60M$16.02M$16.13M$16.15M$16.38M$16.47M$16.03M$16.25M$16.64M$15.86M$16.44M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$12.70M$12.94M$12.36M$10.42M$9.38M$9.54M$9.25M$6.39M$8.50M$9.22M$9.15M
    Interest Income$39.51M$40.28M$41.15M$40.25M$38.75M$39.01M$39.79M$38.69M$37.90M$37.93M$38.51M$36.69M
    Interest Expense$13.81M$14.16M$14.94M$15.11M$15.10M$16.01M$16.92M$17.36M$16.60M$16.98M$16.66M$14.29M
    Income Before Tax$12.34M$12.70M$13.09M$12.36M$10.42M$9.43M$9.74M$9.25M$6.39M$8.50M$9.28M$9.15M
    Income Tax Expense$2.15M$2.33M$2.60M$2.35M$1.95M$1.80M$1.76M$1.71M$1.11M$1.48M$1.74M$1.60M
    Net Income$10.19M$10.38M$10.48M$10.01M$8.46M$7.62M$7.98M$7.54M$5.28M$7.02M$7.54M$7.55M
    EBITDA$11.89M$12.36M$12.73M$11.97M$10.20M$9.30M$10.40M$9.11M$5.96M$8.41M$9.44M$8.44M
    EBIT$12.34M$12.70M$13.09M$12.36M$10.42M$9.43M$9.74M$9.25M$6.39M$8.50M$9.28M$9.15M
    * Some calculated fields are derived from available data when not provided by source

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    News

    De Lisle Partners LLP Buys Shares of 20,519 Citizens Financial Services Inc. $CZFS

    De Lisle Partners LLP has acquired 20,519 shares of Citizens Financial Services Inc. (NASDAQ:CZFS) for approximately $1.48 million, representing a 0.43% stake. The company has outperformed earnings expectations, reporting $2.12 EPS against a $1.98 consensus, and has increased its quarterly dividend to $0.51 per share. Institutional ownership stands at 22.49%, and analyst sentiment remains generally positive despite recent downgrades.

    MarketBeat•8/23/26•
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    Price to earnings forward of Citizens Financial Services, Inc. – NASDAQ:CZFS

    This article provides financial information for Citizens Financial Services, Inc. (NASDAQ: CZFS), specifically focusing on its forward price-to-earnings ratio. It lists key financial data providers and emphasizes that the content is made by humans.

    TradingView•8/16/26•
    Neutral

    Best Momentum Stocks to Buy for August 14th

    This article highlights two momentum stocks, Western Digital Corporation (WDC) and Citizens Financial Services, Inc. (CZFS), identified as strong buys for August 14th. Both companies hold a Zacks Rank #1 and have shown positive earnings estimate revisions and significant stock price gains over recent periods, outperforming the S&P 500. Each stock also boasts a Momentum Score of A.

    Yahoo Finance Singapore•8/14/26•
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    Price to sales forward of Citizens Financial Services, Inc. – NASDAQ:CZFS

    This article provides a brief overview of the "Price to sales forward" metric for Citizens Financial Services, Inc. (NASDAQ: CZFS). It presents this financial data point within the TradingView platform context, indicating its period, value, and change.

    TradingView•8/12/26•
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    What Did Citizens Financial (NASDAQ:CZFS) Report for Nasdaq Composite?

    This article from Kalkine Media discusses Citizens Financial Services (NASDAQ:CZFS) and its recent update concerning community-bank deposits and credit quality. It emphasizes the importance of understanding deposit activity, lending, credit quality, and capital returns in relation to demand quality and operational execution. The article provides factual general information but does not offer any investment ratings or recommendations.

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    Frequently Asked Questions About CZFS

    What is CZFS's current dividend yield?
    Citizens Financial Services Inc. Common Stock (CZFS) has a current dividend yield of 2.50%.
    Does CZFS pay dividends?
    Yes, Citizens Financial Services Inc. Common Stock pays dividends with a current yield of 2.50%.
    What is CZFS's P/E ratio?
    Citizens Financial Services Inc. Common Stock has a price-to-earnings (P/E) ratio of 9.40.
    What is CZFS's market cap?
    Citizens Financial Services Inc. Common Stock (CZFS) has a market capitalization of $389.50M with a current stock price of $80.34.

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