Citizens Financial Services Inc released its earnings results on Oct 30, 2025. The company reported $2.09 earnings per share for the quarter, beating the consensus estimate of $1.76 by $0.33.

Is Citizens Financial Services Inc overvalued?

According to Wall Street analysts Citizens Financial Services Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Citizens Financial Services Inc pay dividends?

Citizens Financial Services Inc pays a Quarterly dividend of $0.5 which represents an annual dividend yield of 3.38%. See more information on Citizens Financial Services Inc dividends here

What is Citizens Financial Services Inc’s EPS estimate?

Citizens Financial Services Inc’s EPS estimate is 2.07.

How many shares outstanding does Citizens Financial Services Inc have?

Citizens Financial Services Inc has 4,806,377 shares outstanding.

What happened to Citizens Financial Services Inc’s price movement after its last earnings report?

Citizens Financial Services Inc reported an EPS of $2.09 in its last earnings report, beating expectations of $1.76. Following the earnings report the stock price went up 1.222%.

Which hedge fund is a major shareholder of Citizens Financial Services Inc?

Currently, no hedge funds are holding shares in CZFS

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Citizens Financial Services Stock Smart Score

Neutral

Fundamentals

Return on Equity

10.88%

Trailing 12-Months

Asset Growth

0.99%

Trailing 12-Months

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Company Description

Citizens Financial Services Inc

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.