Citizens Financial Services, Inc. (CZFS) presents a mixed fundamental picture: quarterly net income of $10.2M in 2026Q2 (EPS $2.12, up 20.5% year over year) reflects a 680 bps efficiency ratio improvement to 56.8% from 63.6% in 2024Q4, while net interest income advanced 10.6% to $25.7M and the NIM widened from 0.7% to…
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 30, 2026 | $2.48+12.7% vs $2.20 | $31M+1.0% vs $31M |
Q3 2026 Jul 30, 2026 | $2.12+7.1% vs $1.98 | $30M+1.4% vs $29M |
Q2 2026 Apr 29, 2026 | $2.16+9.1% vs $1.98 | $30M+2.4% vs $29M |
Q1 2026 Jan 30, 2026 | $2.18+5.3% vs $2.07 | $30M+0.7% vs $29M |
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
BlackRock Inc. bought a new position in Citizens Financial Services Inc. (NASDAQ: CZFS) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund bought 354,551 shares of the company's stock, valued at approximately $25,684,000. BlackRock Inc. owned about 7.39% of Citizens Financial Services as of
Citizens Financial Services is rated Buy, driven by strong profit growth, operational metrics, and discounted valuation despite recent share price gains. CZFS's Q2 2026 EPS beat expectations, net interest margin expanded to 3.69%, and tangible book value per share rose 17.6% year over year. Forward PE of 9.29 remains below regional peers, with the company likely to exceed its FY 2026 earnings projection.
Benchmark CZFS against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Citizens Financial Services, Inc. (CZFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $84.87 | $407.79M | 9.49 | 11.24% | 35.73% | 12.4% | 2.34% | |
| $30.42 | $275.03M | 12.00 | 33.46% | 24.12% | 12.06% | 2.01% | |
| $45.92 | $296.36M | 11.74 | 8.34% | 26.97% | 12.11% | 2% | |
| $39.19 | $249.58M | 11.67 | 22.5% | 45% | 11.54% | 3.85% | |
| $23.38 | $225.48M | 16.12 | -9.39% | 28.36% | 7.64% | 1.59% | |
| $18.35 | $460.16M | 22.11 | 30.2% | — | — | — |
Citizens Financial Services, Inc. (CZFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Citizens Financial Services, Inc. (CZFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 30, 2026·SEC
Jul 30, 2026·SEC
Jun 22, 2026·SEC
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Citizens Financial Services, Inc. (CZFS) stock FAQ — growth, dividends, profitability & financials explained
Citizens Financial Services, Inc. (CZFS) grew revenue by 10.4% over the trailing twelve months, compared with the twelve months before.
Yes. Citizens Financial Services, Inc. (CZFS) earned $43.0M in net income over the trailing twelve months (a 35.7% net margin).
Yes. Citizens Financial Services, Inc. (CZFS) pays a dividend that yields 2.34% at the current price, a moderate yield.
Citizens Financial Services, Inc. (CZFS) had a return on equity (ROE) of 12.4% over the trailing twelve months. That is in line with the market's typical 10-15%.
Citizens Financial Services, Inc. (CZFS) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Citizens Financial Services, Inc. (CZFS) has an efficiency ratio of 57.7%. This is reasonable for a bank.
