CZFS
Citizens Financial Services Inc. Common Stock
NASDAQ: CZFS · FINANCIAL SERVICES · BANKS - REGIONAL
$63.16
-2.76% today
Updated 2026-04-30
Market cap
$317.08M
P/E ratio
8.66
P/S ratio
2.88x
EPS (TTM)
$7.62
Dividend yield
3.04%
52W range
$49 – $70
Volume
0.0M
Citizens Financial Services Inc. Common Stock (CZFS) Earnings
Quarterly earnings history, analyst estimates, and stock price reaction.
EPS beat streak
6 of 8
Last 8 quarters
Avg EPS surprise
+10.2%
Last 4 quarters
Revenue YoY growth
+3.1%
Most recent quarter
EPS YoY growth
+31.3%
Most recent quarter
Earnings surprise history (last 12 quarters)
Beat estimate Missed estimate
Quarterly EPS and revenue trend
Quarterly revenue EPS (diluted)
How the stock reacts to earnings
Avg 1-day reaction
+2.8%
Last 2 reports
Positive reaction rate
100%
2 of 2 quarters
Largest single-day move
+3.4%
2026-01-29
| Report date | EPS actual | Surprise | Close before | Close after | 1-day reaction |
|---|---|---|---|---|---|
| 2026-01-29 | $2.18 | +5.3% | $61.15 | $63.25 | +3.4% |
| 2025-10-30 | $2.09 | +18.7% | $53.60 | $54.79 | +2.2% |
Quarterly earnings history
| Fiscal quarter ending | EPS estimate | EPS actual | Surprise | Revenue | YoY revenue |
|---|---|---|---|---|---|
| 2025-12-31 | $2.07 | $2.18 | +5.3% | $44.48M | +3.1% |
| 2025-09-30 | $1.76 | $2.09 | +18.7% | $44.11M | +3.9% |
| 2025-06-30 | $1.60 | $1.76 | +10.0% | $42.41M | +2.9% |
| 2025-03-31 | $1.48 | $1.58 | +6.8% | $42.44M | +1.5% |
| 2024-12-31 | $1.52 | $1.66 | +9.2% | $43.13M | +2.7% |
| 2024-09-30 | $1.37 | $1.57 | +14.6% | $42.44M | +5.2% |
| 2024-06-30 | $1.30 | $1.29 | -0.8% | $41.24M | +41.8% |
| 2024-03-31 | $1.52 | $1.46 | -3.9% | $41.80M | — |
| 2023-12-31 | $1.59 | $1.57 | -1.3% | $42.00M | — |
| 2023-09-30 | $1.54 | $1.64 | +6.5% | $40.35M | — |
| 2023-06-30 | $-0.02 | $1.50 | +7600.0% | $29.09M | — |
| 2023-03-31 | $1.80 | $1.73 | -3.9% | — | — |
Frequently asked questions
Has Citizens Financial Services Inc. Common Stock beaten earnings estimates?
Citizens Financial Services Inc. Common Stock has beaten Wall Street EPS estimates in 6 of its last 8 quarterly reports, with an average EPS surprise of +10.2% over the last 4 quarters.
How does CZFS stock react to earnings?
CZFS stock has moved an average of +2.8% in the trading day following earnings over its last 2 reports, with positive reactions in 100% of those quarters.
What is Citizens Financial Services Inc. Common Stock's revenue growth rate?
Citizens Financial Services Inc. Common Stock reported year-over-year revenue growth of +3.1% in its most recent quarter, with EPS growing +31.3% year-over-year.