Citizens Financial Services Inc. Common Stock (CZFS)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$79.12

+0.84 (+1.07%)

Market Cap: $376.61M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

73%(27/37)

Avg Surprise

+214.25%

Streak

8 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$2.20

Range$2.20 - $2.20

1 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$1.95+12.8%

60d ago$2.02+8.9%

30d ago$2.02+8.9%

7d ago$2.02+8.9%

Current$2.20

Revenue Consensus

Range$0 - $0

0 analysts

Period ending Dec 31, 2026

EPS Consensus$2.56

Range$2.56 - $2.56

1 analysts

Revenue Consensus

Range$0 - $0

0 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$2.56	$2.56 - $2.56	-	-	1	-	-
Sep 30, 2026Sep 26EST	-	$2.20	$2.20 - $2.20	-	-	1	1 0 30d	-
Jun 30, 2026Jun 26 Reported Jul 30, 2026Reported Jul 30	$2.12	$1.98	$1.98 - $1.98	+7.07%	Beat	1	1 0 30d	+20.5%
Mar 31, 2026Mar 26 Reported Apr 29, 2026Reported Apr 29	$2.16	$1.98	$1.98 - $1.98	+9.09%	Beat	1	No revisions (30d)	+36.7%
Dec 31, 2025Dec 25 Reported Jan 30, 2026Reported Jan 30	$2.18	$2.07	$2.07 - $2.07	+5.31%	Beat	1	No revisions (30d)	+31.3%
Sep 30, 2025Sep 25 Reported Oct 30, 2025Reported Oct 30	$2.09	$1.76	$1.76 - $1.76	+18.75%	Beat	1	No revisions (30d)	+33.1%
Jun 30, 2025Jun 25 Reported Jul 30, 2025Reported Jul 30	$1.76	$1.60	$1.60 - $1.60	+10.00%	Beat	1	0 1 30d	+36.4%
Mar 31, 2025Mar 25 Reported Apr 30, 2025Reported Apr 30	$1.58	$1.48	$1.48 - $1.48	+6.76%	Beat	1	No revisions (30d)	+8.2%
Dec 31, 2024Dec 24 Reported Jan 30, 2025Reported Jan 30	$1.66	$1.52	$1.52 - $1.52	+9.21%	Beat	1	0 1 30d	+5.7%
Sep 30, 2024Sep 24 Reported Oct 30, 2024Reported Oct 30	$1.57	$1.37	$1.37 - $1.37	+14.60%	Beat	1	No revisions (30d)	-4.3%
Jun 30, 2024Jun 24 Reported Jul 30, 2024Reported Jul 30	$1.29	$1.30	$1.30 - $1.30	-0.77%	Miss	1	No revisions (30d)	-14.0%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$1.46	$1.52	$1.52 - $1.52	-3.95%	Miss	1	No revisions (30d)	-15.6%
Dec 31, 2023Dec 23 Reported Jan 30, 2024Reported Jan 30	$1.57	$1.59	$1.59 - $1.59	-1.26%	Miss	1	No revisions (30d)	-18.7%
Sep 30, 2023Sep 23 Reported Oct 23, 2023Reported Oct 23	$1.64	$1.54	$1.54 - $1.54	+6.49%	Beat	1	No revisions (30d)	-10.9%
Jun 30, 2023Jun 23 Reported Jul 31, 2023Reported Jul 31	$1.50	$-0.02	$-0.02 - $-0.02	+7600.00%	Beat	1	No revisions (30d)	-11.2%
Mar 31, 2023Mar 23 Reported Apr 27, 2023Reported Apr 27	$1.73	$1.80	$1.80 - $1.80	-3.89%	Miss	1	No revisions (30d)	+5.5%
Dec 31, 2022Dec 22 Reported Jan 30, 2023Reported Jan 30	$1.93	$1.90	$1.90 - $1.90	+1.58%	Beat	1	No revisions (30d)	+14.2%
Sep 30, 2022Sep 22 Reported Oct 24, 2022Reported Oct 24	$1.84	$1.83	$1.83 - $1.83	+0.55%	Beat	1	No revisions (30d)	+7.0%
Jun 30, 2022Jun 22 Reported Jul 21, 2022Reported Jul 21	$1.69	$1.69	$1.66 - $1.71	+0.00%	Beat	2	No revisions (30d)	+4.3%
Mar 31, 2022Mar 22 Reported Apr 29, 2022Reported Apr 29	$1.64	$1.67	$1.64 - $1.71	-1.80%	Miss	2	1 0 30d	-7.9%
Dec 31, 2021Dec 21 Reported Jan 28, 2022Reported Jan 28	$1.69	$1.73	$1.72 - $1.74	-2.31%	Miss	2	No revisions (30d)	-4.0%
Sep 30, 2021Sep 21 Reported Oct 26, 2021Reported Oct 26	$1.72	$1.67	$1.67 - $1.81	+2.99%	Beat	2	1 0 30d	-11.3%
Jun 30, 2021Jun 21 Reported Jul 26, 2021Reported Jul 26	$1.62	$1.67	$1.67 - $1.67	-2.99%	Miss	1	No revisions (30d)	+22.7%
Mar 31, 2021Mar 21 Reported Apr 23, 2021Reported Apr 23	$1.78	$1.57	$1.57 - $1.57	+13.38%	Beat	1	No revisions (30d)	+35.9%
Dec 31, 2020Dec 20 Reported Jan 25, 2021Reported Jan 25	$1.76	$1.75	$1.72 - $1.78	+0.57%	Beat	2	No revisions (30d)	+26.6%
Sep 30, 2020Sep 20 Reported Oct 23, 2020Reported Oct 23	$1.94	$1.70	$1.55 - $1.79	+14.12%	Beat	2	No revisions (30d)	+33.8%
Jun 30, 2020Jun 20 Reported Jul 27, 2020Reported Jul 27	$1.32	$0.82	$0.82 - $0.82	+60.98%	Beat	1	No revisions (30d)	+1.5%
Mar 31, 2020Mar 20 Reported Apr 24, 2020Reported Apr 24	$1.31	$1.00	$1.00 - $1.00	+31.00%	Beat	1	No revisions (30d)	+11.0%
Dec 31, 2019Dec 19 Reported Mar 12, 2020Reported Mar 12	$1.39	$1.32	$1.32 - $1.32	+5.30%	Beat	1	No revisions (30d)	+15.8%
Sep 30, 2019Sep 19 Reported Oct 23, 2019Reported Oct 23	$1.45	$1.31	$1.31 - $1.31	+10.69%	Beat	1	No revisions (30d)	+18.9%
Jun 30, 2019Jun 19 Reported Jul 24, 2019Reported Jul 24	$1.30	$1.17	$1.17 - $1.17	+11.11%	Beat	1	No revisions (30d)	+4.0%
Mar 31, 2019Mar 19 Reported May 1, 2019Reported May 1	$1.18	$1.26	$1.26 - $1.26	-6.35%	Miss	1	No revisions (30d)	+4.4%
Dec 31, 2018Dec 18 Reported Jan 25, 2019Reported Jan 25	$1.20	$1.23	$1.23 - $1.23	-2.44%	Miss	1	No revisions (30d)	+9.1%
Sep 30, 2018Sep 18 Reported Oct 23, 2018Reported Oct 23	$1.22	$1.20	$1.20 - $1.20	+1.67%	Beat	1	No revisions (30d)	+25.8%
Jun 30, 2018Jun 18 Reported Jul 25, 2018Reported Jul 25	$1.25	$1.11	$1.11 - $1.11	+12.61%	Beat	1	No revisions (30d)	+30.1%
Mar 31, 2018Mar 18 Reported Apr 27, 2018Reported Apr 27	$1.13	$1.06	$1.06 - $1.06	+6.60%	Beat	1	No revisions (30d)	+21.4%
Dec 31, 2017Dec 17 Reported Jan 31, 2018Reported Jan 31	$1.10	$0.56	$0.56 - $0.56	+96.43%	Beat	1	No revisions (30d)	+23.7%
Sep 30, 2017Sep 17 Reported Oct 26, 2017Reported Oct 26	$0.97	$0.95	-	+2.11%	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 26, 2017Reported Jul 26	$0.96	$1.02	-	-5.78%	Miss	-	-	-
Mar 31, 2017Mar 17 Reported Apr 26, 2017Reported Apr 26	$0.93	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 30, 2017Reported Jan 30	$0.89	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield2.58%

Forward Annual Dividend$2.04

Payout Ratio23.61%

FrequencyQuarterly

Pay MonthsMar, Jun, Sep, Dec

Growth

3Y CAGR+1.38%

5Y CAGR+0.61%

CZFS dividend history and ex-dividend dates Run CZFS in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	9.25	EV/EBITDA	15.18x
Price/FCF	N/A	FCF Yield	N/A
Profitability
Profit Margin	35.80%	Operating Margin	44.50%
ROE	12.30%	ROIC	5.50%
Financial Health
Debt/Equity	1.12x	Interest Coverage	0.87x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.39	Avg Volume	37.13K
52-Week High	$84.14	52-Week Low	$50.79

Technical Indicators Dashboard

Moving Averages

SMA 10$79.17

SMA 20$79.46

SMA 50$80.61

SMA 200$68.77

EMA 10$79.06

EMA 20$79.49

EMA 50$78.95

EMA 200$70.66

MACD

Line: -0.45Signal: -0.33Hist: -0.12

ADX

ADX: 9.4+DI: 16.0-DI: 17.9

Aroon & PSAR

Aroon Up4.0

Aroon Down60.0

PSAR$81.61

Bollinger Bands

Upper Band$81.26

Lower Band$77.67

%B Position452%(Upper)

Band Width0.40

RSI (14-Day)

Neutral

47.7

Momentum Oscillators

Stoch %K34.2

Stoch %D32.6

Williams %R-58.1

ROC (10d)-0.0%

Momentum-0.02

CCI (20d)-38.6

MFI (14d)36.4

Volatility Measures

ATR (14d)$1.87(2.4%)

StdDev (20d)0.90

Hist Vol20.8%(Moderate)

Volume Flow

VWAP$79.12

OBV361.8K

AD Line-134461159324.6B

CMF (20d)-0.109

Volume Metrics

Avg Vol (20d)36.0K

Vol Ratio0.6x

VWMA (20d)$79.64

Pivot Points

R3$80.15

R2$79.63

R1$78.95

Pivot Point$78.43

S1$77.75

S2$77.23

S3$76.55

Advanced Oscillators

TSI-7.49

Ultimate Osc43.9

KST-23.90

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 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 Revenue	N/A	$14.66M	$15.44M	$15.61M	$15.85M	$16.64M	$16.92M	$17.16M	$18.60M	$17.76M	$16.86M	$14.76M
Gross Profit	N/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 Income	N/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

Discipline and Rules-Based Execution in CZFS Response

This article analyzes Citizens Financial Services Inc. (NASDAQ: CZFS), highlighting a weak near-term sentiment but potential long-term strength. It identifies a mid-channel oscillation pattern and a significant short...

Stock Traders Daily•Oct 11, 2026 2:40 AM ET10/11/26•Somewhat-Bearish

Citizens Financial Services (NASDAQ:CZFS) Shares Up 0.7% - Time to Buy?

Citizens Financial Services (NASDAQ:CZFS) saw its shares increase by 0.7% to $79.14, despite lower-than-average trading volume. The company has a market capitalization of $380.66 million and a P/E ratio of 9.26. Citizens...

MarketBeat•Oct 2, 2026 12:30 AM ET10/2/26•Bullish

Citizens Financial Services stock reports Q2 EPS beat

Citizens Financial Services (CZFS) reported strong Q2 2026 results, with diluted earnings per share of $2.12, surpassing the consensus estimate of $1.98. The company's revenue also exceeded expectations...

AD HOC NEWS•Sep 30, 2026 10:55 AM ET9/30/26•Neutral

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now

Citizens Financial Services (CZFS) is highlighted as an attractive dividend stock with a current dividend yield of 2.52% and a history of consistent dividend growth. The company, which is in the Finance sector...

Eastern Progress•Sep 27, 2026 10:25 PM ET9/27/26•Bullish

Form 4 Citizens Financial Services Inc For: 27 September By Investing.com

This article from Investing.com reports on a Form 4 filing for Citizens Financial Services Inc., dated September 27th. The brief announcement provides the company's stock symbol (CZFS) and its performance...

Investing.com UK•Sep 27, 2026 2:56 PM ET9/27/26•Neutral

CZFS Valuation and Fair Value

P/E: 9.3x
Forward P/E: 9.3x
EV/EBITDA: 15.2x
PEG: 0.0x
P/B: 1.1x

See GNG's fair value

CZFS Profitability: Margins, ROIC and FCF

Operating margin: 44.5%
Net margin: 35.8%
ROIC: 5.5%
ROE: 12.3%
FCF margin: 30.7%

CZFS Competitors

Company	Ticker
First Bancorp Inc	FNLC
MVB Financial Corp	MVBF
Primis Financial Corp	FRST
EQV Ventures Acquisition Corp.	EQV
SuRo Capital Corp	SSSS
Waterdrop Inc ADR	WDH
Northeast Community Bancorp Inc	NECB
Siddhi Acquisition Corp Class A Common stock	SDHI

Sector: Financial Services

CZFS Bull Case vs Bear Case

Bull case

CZFS converts 30.7% of revenue into free cash flow.
CZFS has a 35.8% net profit margin.
CZFS beat EPS estimates in 100.0% of its last 8 reported quarters.

CZFS Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)
Average surprise: 10.1%
EPS estimate (fiscal period ending Sep 30, 2026): $2.20
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 1 up, 0 down

CZFS Dividend

Forward yield: 2.6%
Payout ratio: 23.6%
3Y DPS growth: 1.4%
5Y DPS growth: 0.6%
Pay months: Mar, Jun, Sep, Dec

CZFS dividend history

Frequently Asked Questions About CZFS

What is CZFS's current dividend yield?

Citizens Financial Services Inc. Common Stock (CZFS) has a forward dividend yield of 2.58%.

Does CZFS pay dividends?

Yes, Citizens Financial Services Inc. Common Stock pays dividends with a forward dividend yield of 2.58%.

What is CZFS's P/E ratio?

Citizens Financial Services Inc. Common Stock has a price-to-earnings (P/E) ratio of 9.25.

What is CZFS's market cap?

Citizens Financial Services Inc. Common Stock (CZFS) has a market capitalization of $376.61M with a current stock price of $79.12.

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