CZFS Stock - Citizens Financial Services, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $168.62M | $138.72M | $93.09M | $85.52M | $81.72M |
| Gross Profit | $98.17M | $86.34M | $80.19M | $76.87M | $71.21M |
| Gross Margin | 58.2% | 62.2% | 86.1% | 89.9% | 87.1% |
| Operating Income | $33.68M | $21.52M | $35.49M | $35.32M | $30.37M |
| Net Income | $27.82M | $17.81M | $29.06M | $29.12M | $25.10M |
| Net Margin | 16.5% | 12.8% | 31.2% | 34.0% | 30.7% |
| EPS | $5.80 | $3.98 | $7.10 | $7.09 | $6.27 |
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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| April 30th 2024 | Janney | Upgrade | Buy | $53 |
| June 29th 2023 | Janney | Downgrade | Neutral | - |
Earnings History & Surprises
CZFSEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $1.79 | — | — | — |
Q4 2025 | Oct 30, 2025 | $1.76 | $2.09 | +18.7% | ✓ BEAT |
Q3 2025 | Jul 30, 2025 | $1.62 | $1.76 | +8.6% | ✓ BEAT |
Q2 2025 | Apr 30, 2025 | $1.49 | $1.60 | +7.4% | ✓ BEAT |
Q1 2025 | Jan 30, 2025 | $1.54 | $1.68 | +9.1% | ✓ BEAT |
Q4 2024 | Oct 30, 2024 | $1.38 | $1.59 | +15.2% | ✓ BEAT |
Q3 2024 | Jul 30, 2024 | $1.32 | $1.30 | -1.5% | ✗ MISS |
Q2 2024 | Apr 25, 2024 | $1.55 | $1.34 | -13.5% | ✗ MISS |
Q1 2024 | Jan 30, 2024 | $1.62 | $1.60 | -1.2% | ✗ MISS |
Q4 2023 | Oct 23, 2023 | $1.57 | $1.67 | +6.4% | ✓ BEAT |
Q3 2023 | Jul 31, 2023 | $0.02 | $1.53 | +7750.2% | ✓ BEAT |
Q2 2023 | Apr 27, 2023 | $1.75 | $1.73 | -1.1% | ✗ MISS |
Q1 2023 | Jan 30, 2023 | $1.96 | $1.99 | +1.5% | ✓ BEAT |
Q4 2022 | Oct 24, 2022 | $1.89 | $1.90 | +0.5% | ✓ BEAT |
Q3 2022 | Jul 21, 2022 | $1.74 | $1.74 | 0.0% | = MET |
Q2 2022 | Apr 29, 2022 | $1.72 | $1.69 | -1.7% | ✗ MISS |
Q1 2022 | Jan 28, 2022 | $1.77 | $1.74 | -1.7% | ✗ MISS |
Q4 2021 | Oct 26, 2021 | $1.72 | $1.77 | +2.9% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $1.63 | $1.67 | +2.5% | ✓ BEAT |
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