Citizens Financial Services, Inc.

NasdaqCM:CZFS Stock Report

Market Cap: US$312.5m

Citizens Financial Services Past Earnings Performance

Past criteria checks 5/6

Citizens Financial Services has been growing earnings at an average annual rate of 3.5%, while the Banks industry saw earnings growing at 3% annually. Revenues have been growing at an average rate of 9.1% per year. Citizens Financial Services's return on equity is 11.4%, and it has net margins of 34.7%.

Key information

3.55%

Earnings growth rate

-1.31%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate9.12%
Return on equity11.45%
Net Margin34.66%
Last Earnings Update31 Mar 2026

Recent past performance updates

Recent updates

Analysis Article • Sep 09

Citizens Financial Services (NASDAQ:CZFS) Is Paying Out A Dividend Of $0.49

Citizens Financial Services, Inc. ( NASDAQ:CZFS ) will pay a dividend of $0.49 on the 27th of September. This means...
Analysis Article • Jun 11

Citizens Financial Services (NASDAQ:CZFS) Has Announced A Dividend Of $0.49

Citizens Financial Services, Inc.'s ( NASDAQ:CZFS ) investors are due to receive a payment of $0.49 per share on 28th...
Analysis Article • Mar 11

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

Citizens Financial Services, Inc. ( NASDAQ:CZFS ) will pay a dividend of $0.49 on the 29th of March. Based on this...
Analysis Article • May 10

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

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Seeking Alpha • Oct 19

Citizens Financial Services to acquire HV Bancorp

Citizens Financial Services (NASDAQ:CZFS) is set to acquire HV Bancorp (NASDAQ:HVBC). The two companies have entered into a definitive merger agreement, pursuant to which HVBC shareholders will have the right to elect to receive for each share either $30.50 in cash or 0.400 shares of CZFS. The amount will come to ~$67.4M in aggregate. The transaction, approved by the boards of both the companies, will close in H1 of 2023, subject to regulatory approval, approval by HVBC shareholders and other customary closing conditions. A procedure will be followed as part of which 80% of the HVBC shares will be exchanged for stock and 20% of the shares for cash. Additionally, CZFS CEO Randall Black announced a strategic combination of the units, First Citizens Community Bank and Huntingdon Valley Bank. Source: Press Release
Analysis Article • Sep 06

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

Citizens Financial Services, Inc. ( NASDAQ:CZFS ) will increase its dividend from last year's comparable payment on the...
Seeking Alpha • Sep 01

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

Citizens Financial Services (NASDAQ:CZFS) declares $0.48/share quarterly dividend, 1.1% increase from prior dividend of $0.47. Forward yield 2.33% Payable Sept. 30; for shareholders of record Sept. 16; ex-div Sept. 15. See CZFS Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Jul 22

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

Citizens Financial Services press release (NASDAQ:CZFS): Q2 GAAP EPS of $1.74. Revenue of $20.03M (+5.9% Y/Y).
Analysis Article • Jun 08

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

Citizens Financial Services, Inc.'s ( NASDAQ:CZFS ) dividend will be increasing to US$0.47 on 24th of June. This makes...

Revenue & Expenses Breakdown

How Citizens Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqCM:CZFS Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2611339500
31 Dec 2511037500
30 Sep 2510734500
30 Jun 2510432500
31 Mar 2510028500
31 Dec 249928500
30 Sep 249827500
30 Jun 249827500
31 Mar 249118470
31 Dec 238618440
30 Sep 238218400
30 Jun 237818360
31 Mar 238229360
31 Dec 228029350
30 Sep 227828340
30 Jun 227628340
31 Mar 227527330
31 Dec 217629320
30 Sep 217629320
30 Jun 217630320
31 Mar 217629310
31 Dec 207125300
30 Sep 206623280
30 Jun 206120270
31 Mar 205720260
31 Dec 195719260
30 Sep 195619260
30 Jun 195418260
31 Mar 195418250
31 Dec 185318250
30 Sep 185316230
30 Jun 185115230
31 Mar 185014220
31 Dec 174813220
30 Sep 174614210
30 Jun 174513210
31 Mar 174513210
31 Dec 164413200
30 Sep 164312190
30 Jun 164112170
31 Mar 164012160
31 Dec 153812150
30 Sep 153713150
30 Jun 153713140

Quality Earnings: CZFS has high quality earnings.

Growing Profit Margin: CZFS's current net profit margins (34.7%) are higher than last year (28.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CZFS's earnings have grown by 3.5% per year over the past 5 years.

Accelerating Growth: CZFS's earnings growth over the past year (38.4%) exceeds its 5-year average (3.5% per year).

Earnings vs Industry: CZFS earnings growth over the past year (38.4%) exceeded the Banks industry 23.2%.

Return on Equity

High ROE: CZFS's Return on Equity (11.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/31 10:33
End of Day Share Price 2026/05/29 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Citizens Financial Services, Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Daniel CardenasBrean Capital Historical (Janney Montgomery)