Citizens Financial Services Future Growth

Future criteria checks 3/6

Citizens Financial Services is forecast to grow earnings and revenue by 28.3% and 5.5% per annum respectively. EPS is expected to grow by 25.6% per annum. Return on equity is forecast to be 10.7% in 3 years.

Key information

28.3%

Earnings growth rate

25.6%

EPS growth rate

Banks earnings growth	7.3%
Revenue growth rate	5.5%
Future return on equity	10.7%
Analyst coverage	Low
Last updated	01 Feb 2024

Recent future growth updates

Recent updates

Citizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49

Mar 11

Here's Why We Think Citizens Financial Services (NASDAQ:CZFS) Might Deserve Your Attention Today

May 10

Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47

Jun 08

Earnings and Revenue Growth Forecasts

NasdaqCM:CZFS - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2025	96	33	N/A	N/A	1
12/31/2024	92	31	N/A	N/A	1
12/31/2023	86	18	24	27	N/A
9/30/2023	82	18	16	19	N/A
6/30/2023	78	18	18	21	N/A
3/31/2023	82	29	30	32	N/A
12/31/2022	80	29	32	33	N/A
9/30/2022	78	28	29	31	N/A
6/30/2022	76	28	31	32	N/A
3/31/2022	75	27	36	37	N/A
12/31/2021	76	29	38	39	N/A
9/30/2021	76	29	45	47	N/A
6/30/2021	76	30	38	39	N/A
3/31/2021	76	29	20	21	N/A
12/31/2020	71	25	11	12	N/A
9/30/2020	66	23	3	4	N/A
6/30/2020	61	20	5	6	N/A
3/31/2020	57	20	21	22	N/A
12/31/2019	57	19	21	22	N/A
9/30/2019	56	19	22	22	N/A
6/30/2019	54	18	22	22	N/A
3/31/2019	54	18	19	20	N/A
12/31/2018	53	18	21	21	N/A
9/30/2018	53	16	18	18	N/A
6/30/2018	51	15	15	16	N/A
3/31/2018	50	14	16	16	N/A
12/31/2017	48	13	16	16	N/A
9/30/2017	46	14	N/A	18	N/A
6/30/2017	45	13	N/A	20	N/A
3/31/2017	45	13	N/A	20	N/A
12/31/2016	44	13	N/A	16	N/A
9/30/2016	43	12	N/A	15	N/A
6/30/2016	41	12	N/A	14	N/A
3/31/2016	40	12	N/A	12	N/A
12/31/2015	38	12	N/A	13	N/A
9/30/2015	37	13	N/A	14	N/A
6/30/2015	37	13	N/A	15	N/A
3/31/2015	37	13	N/A	16	N/A
12/31/2014	37	13	N/A	16	N/A
9/30/2014	37	13	N/A	16	N/A
6/30/2014	37	13	N/A	16	N/A
3/31/2014	37	13	N/A	16	N/A
12/31/2013	37	13	N/A	18	N/A
9/30/2013	37	14	N/A	17	N/A
6/30/2013	37	14	N/A	16	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: CZFS's forecast earnings growth (28.3% per year) is above the savings rate (2.3%).

Earnings vs Market: CZFS's earnings (28.3% per year) are forecast to grow faster than the US market (14.4% per year).

High Growth Earnings: CZFS's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: CZFS's revenue (5.5% per year) is forecast to grow slower than the US market (7.9% per year).

High Growth Revenue: CZFS's revenue (5.5% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: CZFS's Return on Equity is forecast to be low in 3 years time (10.7%).

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Citizens Financial Services Future Growth

Future criteria checks 3/6

Key information

Recent future growth updates

Price target decreased by 35% to US$52.00

Consensus EPS estimates fall by 23%

Price target decreased by 17% to US$80.00

Price target increased to US$79.00

Price target increased to US$79.00

Recent updates

Citizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49

Full year 2023 earnings: EPS exceeds analyst expectations

Fourth quarter dividend of US$0.49 announced

Full year 2023 earnings: EPS exceeds analyst expectations

Citizens Financial Services, Inc., Annual General Meeting, Apr 16, 2024

[Correction]: A Key Development was Inadvertently sent stating Stephen Guillaume, CFO of Citizens Financial Services, Inc. has Announced Termination

Citizens Financial Services, Inc. and First Citizens Community Bank Announce Termination of Stephen J. Guillaume, Chief Financial Officer

Citizens Financial Services, Inc. and First Citizens Community Bank Announce Termination of Stephen J. Guillaume, Chief Financial Officer

Investor sentiment improves as stock rises 15%

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Price target decreased by 35% to US$52.00

New minor risk - Insider selling

Insider recently sold US$415k worth of stock

Director recently sold US$76k worth of stock

Insider recently bought US$52k worth of stock

Investor sentiment deteriorates as stock falls 16%

Citizens Financial Services, Inc. and First Citizens Community Bank Announces Executive Changes, Effective September 5, 2023

Consensus EPS estimates fall by 23%

New minor risk - Earnings quality

Second quarter 2023 earnings: EPS and revenues miss analyst expectations

Price target decreased by 17% to US$80.00

New minor risk - Shareholder dilution

Citizens Financial Services, Inc. (NasdaqCM:CZFS) completed the acquisition of HV Bancorp, Inc. (NasdaqCM:HVBC) from a group of shareholders.

Investor sentiment improves as stock rises 21%

Here's Why We Think Citizens Financial Services (NASDAQ:CZFS) Might Deserve Your Attention Today

First quarter 2023 earnings: EPS and revenues miss analyst expectations

Independent Chairman of the Board recently sold US$285k worth of stock

Insufficient new directors

Now 21% undervalued

Full year 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Citizens Financial Services, Inc., Annual General Meeting, Apr 18, 2023

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend, Payable on December 30, 2022

Price target increased to US$79.00

Third quarter 2022 earnings released: EPS: US$1.90 (vs US$1.77 in 3Q 2021)

Citizens Financial Services, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2022

Citizens Financial Services to acquire HV Bancorp

Upcoming dividend of US$0.48 per share

Citizens Financial Services (NASDAQ:CZFS) Is Increasing Its Dividend To $0.48

Citizens Financial Services, Inc., Annual General Meeting, Dec 19, 2022

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend, Payable on September 30, 2022

Citizens Financial Services rises dividend 1.1% to $0.48/shares

Price target increased to US$79.00

Second quarter 2022 earnings: EPS in line with expectations, revenues disappoint

Citizens Financial Services GAAP EPS of $1.74, revenue of $20.03M

Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend, Payable on June 24, 2022

Independent Director recently sold US$88k worth of stock

Upcoming dividend of US$0.47 per share

Citizens Financial Services, Inc. and First Citizens Community Bank Appoints Janie Hilfiger to the Board of Directors

Citizens Financial Services, Inc., Annual General Meeting, Apr 20, 2021

Citizens Financial Services, Inc. (OTCPK:CZFS) completed the acquisition of MidCoast Community Bancorp, Inc. (OTCPK:MDCT).

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings per Share Growth Forecasts

Future Return on Equity

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