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CF

Citizens Financial Services, Inc. (CZFS)

NASDAQ • Financial Services

$78.84
-$0.06 (-0.1%)
Market closed

Last close at October 13, 2026 at 20:00 UTC

Open$79.62
Day Range$78.5 - $79.92
Avg. Volume (3M)37.7K
Market Cap$378.8M
P/E Ratio9.2
52 Week Range
$52.35$84.65
Next EarningsIn 15 daysOct 29, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$43.5M100%
Gross Profitminus cost of goods$29.2M67%
Operating Incomeminus R&D and overhead$12.3M28%
Net Incomeminus taxes and the rest$10.1M23%

In plain terms: out of every $100 in revenue, Citizens Financial Services, Inc. keeps $23 as net profit.

Fundamentals & Financials

Revenue (TTM)
$175.8M
Net Income (TTM)
$41M
EPS (TTM)
$8.57
ROA (TTM)
1.29%
Current Ratio
12.29
Dividend Yield
0.71%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+5.3%Q1 2026$2.18
+9.1%Q2 2026$2.16
+7.1%Q3 2026$2.12
Next

Oct 29

in 15 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Next report — what to expect

Citizens Financial Services, Inc. (CZFS) reports on October 29, 2026. Wall Street expects EPS of $2.20 on revenue of $31.0 million. For trailing context, revenue grew +2.6% year over year last quarter. CZFS has beaten EPS in 8 of 8 most recent quarters, setting expectations for consistency.

View full earnings history

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc. trades on the NASDAQ Capital Market as CZFS and operates as a community-focused banking company. It provides deposit, lending, and wealth-related services in regional banking, with revenue of $173.2 million in FY2025 across its Pennsylvania-rooted franchise and adjacent markets.

Name
Citizens Financial Services, Inc.
CEO
Randall E. Black
Website
www.firstcitizensbank.com
Industry
Financial Services
Year Founded
1932
Employees
389

Today's Snapshot

AI-generated

CZFS ended the day slightly lower at 78.84, in line with a flat sector. Shares changed hands at about two-thirds of its usual level.

Trading Volume

Below 10d avg (33.1K)

21K

vs S&P 500 Today

Inline with Market

-0.06%

Updated: October 13, 2026 at 20:15 UTC

Technical Indicators

2 Buy2 Neutral4 Sell
CZFS shows near-term weakness inside a low-momentum environment. The MACD and momentum readings are negative while the ADX indicates little trending strength, yet the share price remains above the longer-term 100- and 200-day averages, implying longer-term support. Short- and medium-term moving averages sit above the market and on-balance volume is positive, suggesting mixed participation as volatility remains moderate. The classic pivot is essentially at the current price, underscoring indecision. Technical takeaway: Sell — near-term pressure and weak momentum outweigh longer-term support in the current setup.
All signals
  • EMA (5 indicators)$70.15 - $79.71
    Sell
  • RSI (14)45.45
    Neutral
  • Stochastic %K (14, 3, 3)31.05
    Neutral
  • MACD Level (12, 26)-0.50
    Sell

Peers & Related Assets

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NECBNortheast Community Bancorp, Inc.
$27.8+0.6%
FNLCThe First Bancorp, Inc.
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TSBKTimberland Bancorp, Inc.
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