Citizens Financial Services (CZFS) Projected to Post Quarterly Earnings on Thursday

Citizens Financial Services (NASDAQ:CZFS) is projected to announce its Q4 2025 results before the market opens on Thursday, January 29th. Analysts expect Citizens Financial Services to post earnings of $1.79 per share for the quarter. Parties are encouraged to explore the company’s upcoming Q4 2025 earning overview page for the latest details on the call scheduled for Friday, February 6, 2026 at 4:00 PM ET.

Citizens Financial Services (NASDAQ:CZFS) last announced its quarterly earnings data on Thursday, October 30th. The company reported $2.09 earnings per share for the quarter, topping analysts’ consensus estimates of $1.76 by $0.33. Citizens Financial Services had a net margin of 19.80% and a return on equity of 10.91%. The business had revenue of $28.99 million for the quarter. On average, analysts expect Citizens Financial Services to post $6 EPS for the current fiscal year and $7 EPS for the next fiscal year.

Citizens Financial Services Price Performance

Shares of NASDAQ CZFS opened at $61.81 on Wednesday. The company has a 50 day simple moving average of $59.36 and a two-hundred day simple moving average of $58.49. Citizens Financial Services has a fifty-two week low of $49.96 and a fifty-two week high of $69.30. The company has a market capitalization of $297.31 million, a price-to-earnings ratio of 8.67 and a beta of 0.41. The company has a debt-to-equity ratio of 0.85, a quick ratio of 0.98 and a current ratio of 0.98.

Citizens Financial Services Dividend Announcement

The business also recently disclosed a quarterly dividend, which was paid on Friday, December 26th. Shareholders of record on Friday, December 12th were paid a dividend of $0.50 per share. The ex-dividend date was Friday, December 12th. This represents a $2.00 dividend on an annualized basis and a yield of 3.2%. Citizens Financial Services’s payout ratio is presently 28.05%.

Insider Transactions at Citizens Financial Services

In related news, CEO Randall E. Black purchased 478 shares of the company’s stock in a transaction dated Monday, November 3rd. The shares were purchased at an average price of $54.10 per share, with a total value of $25,859.80. Following the acquisition, the chief executive officer directly owned 44,013 shares in the company, valued at $2,381,103.30. The trade was a 1.10% increase in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website. In the last quarter, insiders have bought 516 shares of company stock worth $27,903. 6.10% of the stock is currently owned by corporate insiders.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently added to or reduced their stakes in the stock. BNP Paribas Financial Markets grew its position in Citizens Financial Services by 39.4% in the 2nd quarter. BNP Paribas Financial Markets now owns 658 shares of the company’s stock worth $39,000 after purchasing an additional 186 shares during the period. Tower Research Capital LLC TRC boosted its stake in shares of Citizens Financial Services by 537.3% in the 2nd quarter. Tower Research Capital LLC TRC now owns 1,332 shares of the company’s stock worth $78,000 after buying an additional 1,123 shares during the last quarter. Russell Investments Group Ltd. grew its holdings in shares of Citizens Financial Services by 3,225.0% in the third quarter. Russell Investments Group Ltd. now owns 1,463 shares of the company’s stock worth $88,000 after acquiring an additional 1,419 shares during the period. Raymond James Financial Inc. bought a new stake in shares of Citizens Financial Services in the second quarter worth $124,000. Finally, Franklin Resources Inc. purchased a new stake in Citizens Financial Services during the third quarter valued at $217,000. Institutional investors own 22.49% of the company’s stock.

Analysts Set New Price Targets

A number of equities research analysts have recently commented on CZFS shares. Janney Montgomery Scott raised Citizens Financial Services to a “strong-buy” rating in a research note on Wednesday, October 22nd. Zacks Research raised shares of Citizens Financial Services from a “hold” rating to a “strong-buy” rating in a research report on Friday, January 9th. Finally, Weiss Ratings restated a “hold (c)” rating on shares of Citizens Financial Services in a research note on Wednesday, January 21st. Two analysts have rated the stock with a Strong Buy rating and one has issued a Hold rating to the company. According to MarketBeat.com, Citizens Financial Services currently has a consensus rating of “Buy”.

About Citizens Financial Services

Citizens Financial Services, Inc (NASDAQ:CZFS) is a bank holding company headquartered in Elderton, Pennsylvania, providing a range of retail and commercial banking services through its primary subsidiary, Citizens Savings Bank. The company offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit, supported by online and mobile banking platforms tailored to personal and business clients.

Beyond deposit-taking, Citizens Financial Services underwrites a variety of lending products, including residential mortgage loans, home equity financing, commercial real estate loans, construction lending and consumer installment loans.