Citizens Financial Services (CZFS) Projected to Release Earnings on Thursday

Citizens Financial Services (NASDAQ:CZFS) is expected to issue 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. Investors are encouraged to explore the company’s upcoming Q3 2026 earnings overview 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 earnings results on Thursday, July 30th. The company reported $2.12 earnings per share for the quarter, topping the consensus estimate of $1.98 by $0.14. The firm had revenue of $29.71 million during the quarter, compared to analysts’ expectations 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 Price Performance

CZFS stock opened at $81.57 on Thursday. The business has a 50 day moving average price of $80.76 and a 200 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 stock has a market cap of $392.35 million, a price-to-earnings ratio of 9.42 and a beta of 0.37. Citizens Financial Services has a fifty-two week low of $52.35 and a fifty-two week high of $84.65.

Citizens Financial Services Announces Dividend

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

Wall Street Analyst Weigh In

CZFS has been the topic of a number of research analyst reports. Zacks Research cut shares of Citizens Financial Services from a “strong-buy” rating to a “hold” rating in a report on Wednesday, July 29th. Wall Street Zen cut shares of Citizens Financial Services from a “buy” rating to a “hold” rating in a report on Saturday, August 8th. Finally, Weiss Ratings raised shares of Citizens Financial Services from a “buy (b-)” rating to a “buy (b)” rating in a research report on Monday, September 21st. One research analyst has rated the stock with a Buy rating and one has issued a Hold rating to the company. Based on data from MarketBeat, the company 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.