Citizens Financial Services (CZFS) Set to Announce Earnings on Thursday

Citizens Financial Services (NASDAQ:CZFS) will likely be issuing its Q3 2026 results before the market opens on Thursday, October 29th. Analysts expect the company to post earnings of $2.20 per share and revenue of $31.00 million for the quarter. Investors can check the company’s upcoming Q3 2026 earnings summary page for the latest details on the call scheduled for Friday, October 30, 2026 at 12:30 PM ET.

Citizens Financial Services (NASDAQ:CZFS) last posted its quarterly earnings data on Thursday, July 30th. The company reported $2.12 EPS for the quarter, beating the consensus estimate of $1.98 by $0.14. The firm had revenue of $29.71 million during the quarter, compared to the consensus estimate of $29.30 million. Citizens Financial Services had a return on equity of 12.06% and a net margin of 23.31%. On average, analysts expect Citizens Financial Services to post $8.72 EPS for the current fiscal year and $8.81 EPS for the next fiscal year.

Citizens Financial Services Stock Up 1.3%

CZFS opened at $81.57 on Thursday. The business has a 50 day moving average price of $80.76 and a two-hundred day moving average price of $73.36. The company has a quick ratio of 1.01, a current ratio of 1.02 and a debt-to-equity ratio of 1.12. The company has a market cap of $392.35 million, a PE ratio of 9.42 and a beta of 0.37. Citizens Financial Services has a 52 week low of $52.35 and a 52 week high of $84.65.

Citizens Financial Services Dividend Announcement

The business also recently announced a quarterly dividend, which was paid on Friday, September 25th. Shareholders of record on Friday, September 11th were paid a $0.51 dividend. This represents a $2.04 annualized dividend and a dividend yield of 2.5%. The ex-dividend date was Friday, September 11th. Citizens Financial Services’s dividend payout ratio (DPR) is 23.86%.

Analyst Upgrades and Downgrades

A number of research firms have recently issued reports on CZFS. Weiss Ratings raised Citizens Financial Services from a “buy (b-)” rating to a “buy (b)” rating in a report on Monday, September 21st. Zacks Research cut Citizens Financial Services from a “strong-buy” rating to a “hold” rating in a research note on Wednesday, July 29th. Finally, Wall Street Zen downgraded Citizens Financial Services from a “buy” rating to a “hold” rating in a report on Saturday, August 8th. One equities research analyst has rated the stock with a Buy rating and one has assigned a Hold rating to the stock. According to data from MarketBeat.com, the company presently has a consensus rating of “Moderate Buy”.

About Citizens Financial Services

Citizens Financial Services, Inc is a bank holding company headquartered in Mansfield, Pennsylvania. It operates through its principal subsidiary, First Citizens Community Bank, a community banking institution that provides financial services to individuals, families, businesses and organizations.

First Citizens Community Bank offers deposit accounts, consumer and commercial lending, residential mortgages, home equity financing, online and mobile banking, cash management and other traditional banking services.