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

Citizens Financial Services (NASDAQ:CZFS) is anticipated to release its Q3 2026 results before the market opens on Thursday, October 29th. Analysts expect the company to announce earnings of $2.20 per share and revenue of $31.00 million for the quarter. Individuals can check the company’s upcoming Q3 2026 earnings results page for the latest details on the call scheduled for Friday, November 6, 2026 at 11:30 AM ET.

Citizens Financial Services (NASDAQ:CZFS) last announced 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. Citizens Financial Services had a net margin of 23.31% and a return on equity of 12.06%. The firm had revenue of $29.71 million for the quarter, compared to the consensus estimate of $29.30 million. 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 0.0%

CZFS opened at $84.59 on Tuesday. The company has a debt-to-equity ratio of 1.12, a quick ratio of 1.01 and a current ratio of 1.02. Citizens Financial Services has a fifty-two week low of $52.35 and a fifty-two week high of $86.77. The firm’s fifty day moving average is $80.84 and its 200 day moving average is $70.09. The stock has a market cap of $406.88 million, a price-to-earnings ratio of 9.89 and a beta of 0.37.

Citizens Financial Services Announces Dividend

The firm also recently declared 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 dividend on an annualized basis and a yield of 2.4%. The ex-dividend date was Friday, September 11th. Citizens Financial Services’s dividend payout ratio is presently 23.86%.

Wall Street Analyst Weigh In

A number of equities research analysts have commented on the company. Zacks Research cut Citizens Financial Services from a “strong-buy” rating to a “hold” rating in a report on Wednesday, July 29th. Weiss Ratings upgraded Citizens Financial Services from a “buy (b-)” rating to a “buy (b)” rating in a research report on Monday, September 21st. Finally, Wall Street Zen lowered Citizens Financial Services from a “buy” rating to a “hold” rating in a research note on Saturday, August 8th. One research analyst has rated the stock with a Buy rating and one has assigned a Hold rating to the company. According to data from MarketBeat, Citizens Financial Services has an average 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, which provides financial services to individuals, families, businesses and organizations.

The bank offers deposit accounts, consumer and commercial lending, residential mortgages, business banking, cash-management services, online and mobile banking, wealth management and trust services. Its lending activities include real estate, agricultural, commercial and consumer loans.

Founded in 1932, First Citizens Community Bank serves communities in central and northern Pennsylvania and southern New York through branch locations and digital banking channels.