CZFS Earnings Date: Jan 28, 2027 (Estimated) — Citizens Financial Services, Inc.
NASDAQ · Financials · Banks - Regional
Updated
When is CZFS's next earnings date?
Citizens Financial Services, Inc. (CZFS) is expected to report Q4 2026 earnings on Thursday, January 28, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $2.24 on revenue of $6.3M.
How did CZFS do in its last earnings report?
In its most recent report on Oct 30, 2026 (Q3 2026), Citizens Financial Services, Inc. posted EPS of $2.48 versus the $2.20 estimate, a beat of 12.7%. Revenue was $43.4M against a $31.0M estimate.
How much does CZFS stock move after earnings?
CZFS beat EPS estimates in 8 of its last 8 reported quarters. Over the last 6 reports the stock moved an average of 1.6% (up or down) in the day after earnings.
About Citizens Financial Services, Inc.
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
🤖 AI Earnings Analysis
Citizens Financial Services delivered a strong regional-bank quarter: revenue surged 274.5% to $43M and EPS rose to $2.48, beating estimates by $0.28. The outsized growth merits scrutiny for sustainability.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-30 | Q3 2026 | 2.20 | 2.48 | +12.73% | $43.4M | ✅ Beat | — | — | — |
| 2026-07-30 | Q2 2026 | 1.98 | 2.12 | +7.07% | $29.7M | ✅ Beat | -1.15% | +6.17% | +5.03% |
| 2026-04-29 | Q1 2026 | 1.98 | 2.16 | +9.09% | $29.8M | ✅ Beat | -3.35% | -6.12% | -1.64% |
| 2026-01-29 | Q4 2025 | 2.07 | 2.18 | +5.31% | $29.6M | ✅ Beat | +2.30% | +8.02% | -1.82% |
| 2025-10-30 | Q3 2025 | 1.76 | 2.09 | +18.75% | $29.0M | ✅ Beat | +1.21% | +5.19% | +4.27% |
| 2025-07-30 | Q2 2025 | 1.61 | 1.76 | +9.32% | $27.3M | ✅ Beat | +0.35% | -2.02% | +13.05% |
| 2025-04-30 | Q1 2025 | 1.49 | 1.60 | +7.38% | $26.4M | ✅ Beat | -0.99% | +5.04% | +15.09% |
| 2025-01-30 | Q4 2024 | 1.53 | 1.68 | +9.80% | $26.2M | ✅ Beat | — | — | — |
Showing last 8 quarters.