Citizens Financial Services (CZFS) Expected to Announce Quarterly Earnings on Thursday

Citizens Financial Services (NASDAQ:CZFS) is projected to release its Q4 2025 results before the market opens on Thursday, January 29th. Analysts expect Citizens Financial Services to post earnings of $1.79 per share for the quarter. Parties can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Friday, January 30, 2026 at 4:00 PM ET.

Citizens Financial Services (NASDAQ:CZFS) last released its quarterly earnings data on Thursday, October 30th. The company reported $2.09 EPS for the quarter, topping analysts’ consensus estimates of $1.76 by $0.33. The business had revenue of $28.99 million during the quarter. Citizens Financial Services had a return on equity of 10.91% and a net margin of 19.80%. On average, analysts expect Citizens Financial Services to post $6 EPS for the current fiscal year and $7 EPS for the next fiscal year.

Citizens Financial Services Trading Up 5.9%

Shares of CZFS opened at $67.25 on Thursday. Citizens Financial Services has a twelve month low of $49.96 and a twelve month high of $67.93. The firm has a market capitalization of $323.47 million, a P/E ratio of 9.43 and a beta of 0.41. The company has a current ratio of 0.98, a quick ratio of 0.98 and a debt-to-equity ratio of 0.85. The stock’s fifty day simple moving average is $58.63 and its 200 day simple moving average is $58.47.

Citizens Financial Services Announces Dividend

The company also recently disclosed a quarterly dividend, which was paid on Friday, December 26th. Stockholders of record on Friday, December 12th were issued a $0.50 dividend. This represents a $2.00 dividend on an annualized basis and a dividend yield of 3.0%. The ex-dividend date was Friday, December 12th. Citizens Financial Services’s dividend payout ratio (DPR) is 28.05%.

Insiders Place Their Bets

In other news, CEO Randall E. Black acquired 478 shares of the stock in a transaction on Monday, November 3rd. The stock was bought at an average price of $54.10 per share, with a total value of $25,859.80. Following the completion of the transaction, the chief executive officer directly owned 44,013 shares of the company’s stock, valued at $2,381,103.30. The trade was a 1.10% increase in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. In the last three months, insiders purchased 516 shares of company stock valued at $27,903. 6.10% of the stock is owned by corporate insiders.

Institutional Inflows and Outflows

A number of institutional investors have recently made changes to their positions in the company. Vanguard Group Inc. grew its holdings in Citizens Financial Services by 0.8% during the 3rd quarter. Vanguard Group Inc. now owns 246,735 shares of the company’s stock valued at $14,873,000 after purchasing an additional 1,987 shares in the last quarter. Geode Capital Management LLC lifted its holdings in Citizens Financial Services by 1.6% in the 2nd quarter. Geode Capital Management LLC now owns 106,338 shares of the company’s stock worth $6,246,000 after buying an additional 1,681 shares in the last quarter. American Century Companies Inc. boosted its position in Citizens Financial Services by 1.4% in the 2nd quarter. American Century Companies Inc. now owns 28,344 shares of the company’s stock valued at $1,664,000 after buying an additional 400 shares during the last quarter. Dimensional Fund Advisors LP grew its stake in shares of Citizens Financial Services by 6.5% during the third quarter. Dimensional Fund Advisors LP now owns 24,419 shares of the company’s stock valued at $1,472,000 after acquiring an additional 1,496 shares in the last quarter. Finally, Rhumbline Advisers grew its stake in shares of Citizens Financial Services by 25.4% during the second quarter. Rhumbline Advisers now owns 6,604 shares of the company’s stock valued at $388,000 after acquiring an additional 1,337 shares in the last quarter. 22.49% of the stock is owned by institutional investors and hedge funds.

Analyst Upgrades and Downgrades

Several research firms have recently weighed in on CZFS. Janney Montgomery Scott raised Citizens Financial Services to a “strong-buy” rating in a research note on Wednesday, October 22nd. Zacks Research upgraded shares of Citizens Financial Services from a “hold” rating to a “strong-buy” rating in a report on Friday, January 9th. Finally, Weiss Ratings reiterated a “hold (c)” rating on shares of Citizens Financial Services in a research note on Wednesday, October 8th. Two research analysts have rated the stock with a Strong Buy rating and one has assigned a Hold rating to the company. Based on data from MarketBeat.com, the stock presently has a consensus rating of “Buy”.

About Citizens Financial Services

Citizens Financial Services, Inc (NASDAQ:CZFS) is a bank holding company headquartered in Elderton, Pennsylvania, providing a range of retail and commercial banking services through its primary subsidiary, Citizens Savings Bank. The company offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit, supported by online and mobile banking platforms tailored to personal and business clients.

Beyond deposit-taking, Citizens Financial Services underwrites a variety of lending products, including residential mortgage loans, home equity financing, commercial real estate loans, construction lending and consumer installment loans.