Loan loss coverage ratio of Citizens Financial Services, Inc. – NASDAQ:CZFS
This article focuses on the loan loss coverage ratio of Citizens Financial Services, Inc. (NASDAQ: CZFS). The content appears to be a stub or a data-focused page from TradingView, indicating that it provides financial metrics for the company. The page structure includes placeholders for financial data and changes over different periods.
Savings deposits to total deposits of Citizens Financial Services, Inc. – NASDAQ:CZFS
The article focuses on the "Savings deposits to total deposits" metric for Citizens Financial Services, Inc. (NASDAQ:CZFS), providing a brief financial snapshot. It appears to be an entry from a financial data platform like TradingView, indicating that specific values for this metric are available under "Period Value Change Change %" in the platform interface, but these details are not explicitly shown in the provided text.
Citizens Financial Services (CZFS) Beats Q1 Earnings and Revenue Estimates
Citizens Financial Services (CZFS) announced Q1 earnings of $2.16 per share, surpassing the Zacks Consensus Estimate of $1.98 per share and significantly higher than $1.6 per share a year ago. The company also exceeded revenue expectations, reporting $29.8 million for the quarter, beating the consensus by 2.42%. These strong results contribute to the company's four consecutive quarters of beating EPS estimates and three out of four quarters of topping revenue estimates, while its stock has gained 17.9% this year.
Citizens Financial Svcs stock (US1732561066): Trading at $62.96 amid regional banking focus
Citizens Financial Svcs (CZFS) shares are currently trading at $62.96, positioning it within the US regional banking sector. The company focuses on community banking services, providing deposits, loans, and wealth management, primarily in underserved US markets. Its revenue largely comes from net interest income and fee-based services, with commercial real estate and consumer lending forming significant parts of its portfolio.
Citizens Financial (CZFS) director buys 140 shares in open market
Citizens Financial Services Inc. director John P. Painter II purchased 140 shares of the company's common stock at $63.67 per share through an open-market transaction. This transaction increases his direct holdings to approximately 3,661.97 shares, signaling a small, routine insider purchase and a neutral filing impact and sentiment. The Form 4 filing provides transparency into the director's increased ownership in CZFS.
Precision Trading with Citizens Financial Services Inc. (CZFS) Risk Zones
This article from Stock Traders Daily provides a detailed analysis of Citizens Financial Services Inc. (CZFS) focusing on risk zones for precision trading. It highlights divergent sentiment, a strong risk-reward short setup, and outlines specific institutional trading strategies including position trading, momentum breakout, and risk hedging, all based on AI-generated signals across multiple timeframes.
Stronger Q1 2026 profit at Citizens (NASDAQ: CZFS) as deposits rise
Citizens Financial Services (NASDAQ: CZFS) reported a significant increase in Q1 2026 net income to $10.4 million, up from $7.6 million in the prior year, with diluted EPS rising to $2.16. The bank saw improved core earnings driven by a rise in net interest income to $26.1 million and a decline in interest expense, alongside growth in deposits to $2.44 billion. Despite these positive results, the company faced challenges including an increase in nonperforming loans to $37.7 million and a decrease in comprehensive income due to unrealized losses on securities and swaps.
Citizens Financial Services (CZFS) director granted 99 new shares
Citizens Financial Services Inc. director Robert W. Chappell was granted 99 shares of common stock on April 30, 2026. The shares were awarded at a price of $0.0000 per share, indicating a non-market, award-type acquisition. This transaction increased his direct ownership to 12,867.5964 shares of the company’s common stock.
Citizens Financial (CZFS) director awarded 99 shares in stock grant
Citizens Financial Services Inc. director Roger C. Graham Jr. received a grant of 99 shares of Common Class stock, as reported in a Form 4 filing. This compensation-related award increased his direct holdings to approximately 69,311.9986 shares, with the transaction price being $0.00 per share, indicating it was not an open-market purchase. The filing primarily details this acquisition and no stock sales or dispositions.
Citizens Financial (NASDAQ: CZFS) director receives 99-share stock grant and reports 14,017 shares held
Mickey L. Jones, a director at Citizens Financial Services Inc. (NASDAQ: CZFS), received a grant of 99 shares of common stock, as detailed in a recent Form 4 filing. This award, valued at $0.00 per share, increased his direct holdings to 14,017 shares. The filing also notes an additional 880 shares held indirectly by his spouse.
Citizens Financial director awarded 99 CZFS shares | CZFS Insider Trading
Citizens Financial Services Inc. director Terry B. Osborne received a grant of 99 shares of common stock at no cost, increasing his direct holdings to 13,272 shares. This transaction, categorized as a non-derivative stock award, was compensation-related rather than an open-market purchase. The details were reported in a Form 4 SEC filing on April 30, 2026.
Citizens Financial (CZFS) director awarded 99 shares in new Form 4 filing
Citizens Financial Services Inc. director Rinaldo A. DePaola was awarded 99 shares of common stock on April 30, 2026, as reported in a new Form 4 filing. This equity award, valued at $0.0000 per share, increases his direct holdings to 16,693.1990 shares, with an additional 2,184.5740 shares indirectly owned by his spouse. The filing indicates this was a routine compensation-related grant rather than an open-market purchase.
Citizens Financial Services (CZFS) director receives 99-share stock grant
Citizens Financial Services director Thomas E. Freeman was granted 99 shares of common stock at a price of $0.00 per share, which is a compensation-related award. Following this transaction, Freeman directly holds a total of 13,171.4302 shares. This information was reported in a Form 4 filing with the SEC.
Citizens Financial Services Inc. (NASDAQ:CZFS) Short Interest Down 23.8% in April
Citizens Financial Services Inc. (NASDAQ:CZFS) experienced a 23.8% decrease in short interest in April, bringing the total to 38,050 shares, representing 0.8% of the stock. The company recently reported strong quarterly earnings, surpassing analyst expectations with $2.16 EPS and $29.8 million in revenue, and maintains a "Buy" consensus analyst rating. CZFS shares traded down 3.6% to $64.81 and declared a quarterly dividend of $0.50 per share, resulting in an annualized yield of 3.1%.
Citizens Financial Services Releases Q1 2026 Financial Results
Citizens Financial Services (CZFS) reported its Q1 2026 financial results, with basic EPS of $2.16 and a net income of $10.4 million. This represents a significant 35.9% year-over-year increase in EPS. The company's net interest income before provision for credit losses was $26.1 million, and total assets stood at $3.026 billion.
Citizens Financial Services (CZFS) Beats Q1 Earnings and Revenue Estimates
Citizens Financial Services (CZFS) reported Q1 earnings of $2.16 per share, surpassing the Zacks Consensus Estimate of $1.98, and revenue of $29.8 million, beating the estimate of $29.1 million. The company's shares have risen nearly 18% year-to-date, outperforming the S&P 500. CZFS currently holds a Zacks Rank #3 (Hold).
Citizens Financial Highlights Strong Q1 2026 Earnings Performance
Citizens Financial Services (CZFS) reported strong Q1 2026 earnings, with diluted EPS of $2.16 and net income of $10.4 million, reflecting rising margins and solid returns. While the company saw modest asset, loan, and deposit growth, credit quality indicators weakened with an increase in nonperforming assets and loans. TipRanks' AI Analyst, Spark, rates CZFS as "Outperform," citing strong financial performance, a constructive technical trend, and positive valuation, despite some emerging credit risks.
Press Release: CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTS
Citizens Financial Services, Inc. reported its unaudited first quarter 2026 financial results. The press release details the company's financial performance, including key metrics and highlights from the quarter. This announcement provides stakeholders with an update on the company's fiscal health and operational achievements over the specified period.
Citizens Financial profit rises 36% as non-performing assets reach $40.1M
Citizens Financial Services (CZFS) reported a 36.2% year-over-year increase in Q1 2026 net income to $10.4 million, with net interest income rising by 13.5% to $26.1 million. The company's basic earnings per share reached $2.16. However, non-performing assets significantly increased to $40.1 million, or 1.74% of total loans, primarily due to four commercial real estate loan relationships being placed on non-accrual status.
Citizens Financial Services: Q1 Earnings Snapshot
Citizens Financial Services Inc. reported a net income of $10.4 million in its first quarter, with earnings of $2.16 per share. The bank, based in Mansfield, Pennsylvania, achieved revenue of $44 million, and its revenue net of interest expense was $29.8 million, surpassing Street forecasts. This financial summary was generated using data from Zacks Investment Research.
Citizens Financial Services (CZFS) Q2 2025 earnings summary
Citizens Financial Services (CZFS) reported a significant increase in net income for Q2 2025, rising 60% year-over-year to $8.5 million, with first-half net income up 30.8% to $16.1 million. This growth was driven by higher net interest income and lower credit loss provisions, resulting in improved profitability and key financial ratios. Management continues to focus on long-term shareholder returns, disciplined acquisitions, and maintaining sufficient liquidity.
Citizens Financial Services, Inc.'s Equity Buyback announced on February 23, 2023, has expired.
Citizens Financial Services, Inc. announced that its equity buyback plan, originally announced on February 23, 2023, has expired. The company's plan officially expired on April 22, 2026. This announcement highlights the conclusion of the previously stated buyback program.
Citizens Financial (NASDAQ: CZFS) shareholders back 2026 equity plan
Citizens Financial Services, Inc. shareholders approved the 2026 Equity Omnibus Incentive Plan at their annual meeting on April 21, 2026, reserving up to 250,000 shares for future equity awards. The annual meeting also saw the election of five Class 3 directors, the ratification of S.R. Snodgrass as independent auditor for 2026, and a non-binding advisory vote approving executive officer compensation. The equity plan is set to terminate on April 20, 2036, unless extended or terminated earlier.
Undiscovered Gems in the US Market April 2026
This article identifies "undiscovered gems" in the US market for April 2026, highlighting companies with strong growth potential within a dynamic market that has seen a 35% increase over the past year. It provides a table of top 10 companies based on fundamentals and then deep-dives into three specific examples: Citizens Financial Services (CZFS), Southern First Bancshares (SFST), and Investors Title (ITIC), detailing their financial health and operational highlights. The article encourages investors to use Simply Wall St's tools to explore more such opportunities and recommends it for long-term focused analysis.
Citizens Financial Services (CZFS) Projected to Post Earnings on Wednesday
Citizens Financial Services (NASDAQ:CZFS) is projected to announce its Q1 2026 earnings before market open on Wednesday, April 29th, with analysts expecting $1.98 EPS and $29.1 million in revenue. The company previously reported $2.19 EPS and $29.61 million in revenue for the last quarter. CZFS currently trades near $69, has a market cap of approximately $332 million, a P/E ratio of 9.0, and pays a quarterly dividend of $0.50.
Citizens Financial (NASDAQ: CZFS) hits record 2025 profit with stronger capital and liquidity
Citizens Financial Services, Inc. reported record 2025 earnings, with net income reaching $36.6 million and diluted core EPS of $7.62. The company demonstrated stronger capital and liquidity, evidenced by a tangible common equity to tangible assets ratio of 8.40% and total liquidity sources of $1.39 billion. Profitability improved with a net interest margin of 3.50% and a core return on average assets of 1.21%, while asset quality remained solid with low nonperforming assets and net charge-offs.
Citizens Financial Services presents 2025 results, liquidity $1.29B and record net income of $36.6M
Citizens Financial Services reported record net income of $36.6 million for 2025, an increase from $27.8 million in 2024. The company also disclosed total liquidity sources of $1.29 billion at year-end 2025, with total liquidity, including unpledged securities, reaching $1.39 billion. Key drivers for this performance included net interest margin management, customer growth, fee expansion, risk management, and cost control.
Trading the Move, Not the Narrative: (CZFS) Edition
This article provides an AI-generated analysis for Citizens Financial Services Inc. (NASDAQ: CZFS), highlighting conflicting sentiment and elevated downside risk. It outlines three distinct trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—along with multi-timeframe signal analysis to guide investors. The analysis emphasizes trading based on AI-driven signals rather than market narratives.
Citizens Financial Svcs stock (US1732561066): Why its community banking model stands out for U.S. in
Citizens Financial Services (US1732561066) is highlighted for its community-focused banking model in the northeastern U.S., particularly Pennsylvania. The article explains how its emphasis on local relationships, conservative lending, and a balanced revenue stream provides stability and predictable earnings for investors, especially amid economic uncertainties. Analysts generally view the stock positively for its strong balance sheet and regional niche, making it suitable for seeking regional bank exposure with lower beta.
Citizens Financial Svcs stock (US1732561066): Why its community banking model stands out for U.S. investors now?
Citizens Financial Services (ISIN: US1732561066) is highlighted for its stable community banking model, primarily serving Pennsylvania and surrounding areas, focusing on commercial real estate, small business lending, and consumer deposits. The article emphasizes its personalized service, conservative underwriting, and digital integration which contribute to predictable earnings and dividend payouts. This regional bank offers investors targeted exposure to the U.S. economy, providing stability and potential for growth amid economic shifts without the complexities of larger national banks.
Citizens Financial Services Inc. (NASDAQ:CZFS) Short Interest Up 19.3% in March
Citizens Financial Services Inc. (NASDAQ:CZFS) saw its short interest increase by 19.3% in March, reaching 49,941 shares, which represents approximately 1.1% of the stock's float and a 4.2-day days-to-cover ratio. The company recently reported strong quarterly EPS, beating estimates, and maintains a "Moderate Buy" analyst rating. Institutional investors hold 22.49% of the stock, with several funds modestly increasing their positions.
Net revenue after provisions of Citizens Financial Services, Inc. – NASDAQ:CZFS
This page provides financial data for Citizens Financial Services, Inc. (NASDAQ: CZFS), specifically focusing on its net revenue after provisions. It highlights the period value, change, and percentage change for this metric. The data is provided by ICE Data Services and FactSet, with SEC filings from Quartr.
Net revenue after provisions of Citizens Financial Services, Inc. – BOATS:CZFS
This page provides financial data for Citizens Financial Services, Inc. (BOATS:CZFS) specifically focusing on net revenue after provisions. It allows users to view period values and changes, with data sourced from ICE Data Services, FactSet, and American Bankers Association.
Net revenue of Citizens Financial Services, Inc. – NASDAQ:CZFS
This article provides financial information for Citizens Financial Services, Inc. (NASDAQ: CZFS), specifically focusing on its net revenue. It includes a link to detailed financials, news, documents, and other market data available on TradingView. The page highlights the company's stock information and indicates that the market is currently closed.
Citizens Financial Services (NASDAQ:CZFS) Trading Up 1.9% - Here's Why
Citizens Financial Services (NASDAQ:CZFS) saw its share price increase by 1.9% on Monday, closing at $68.08. This rise occurred despite a 24% decrease in trading volume compared to its daily average. The company reported strong financial results, beating EPS estimates, and announced a quarterly dividend of $0.50 per share, contributing to institutional investor interest.
CZFS Should I Buy
Intellectia AI recommends Citizens Financial Services Inc (CZFS) as a strong buy for long-term investors, citing robust financial performance in Q4 2025 with significant increases in revenue and net income. Technical analysis indicates bullish momentum and insider buying activity further supports confidence in the company, despite a lack of Wall Street analyst ratings. The stock is considered suitable for beginner investors with a moderate investment range.
Price-Driven Insight from (CZFS) for Rule-Based Strategy
This article from Stock Traders Daily provides a price-driven analysis for Citizens Financial Services Inc. (CZFS), highlighting weak near-term sentiment and a strong short setup. It details three distinct AI-generated trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—along with multi-timeframe signal analysis to guide rule-based trading decisions. The analysis points to an exceptional 30.4:1 risk-reward short setup targeting an 8.5% downside.
(CZFS) Price Dynamics and Execution-Aware Positioning
This article analyzes Citizens Financial Services Inc. (NASDAQ: CZFS) using AI models to provide trading strategies. It highlights a weak near-term sentiment suggesting potential bearish positioning with an "exceptional 30.0:1 risk-reward short setup." The analysis includes distinct strategies for position trading, momentum breakout, and risk hedging, alongside multi-timeframe signal analysis and real-time AI signal updates.
New equity plan tops Citizens Financial (NASDAQ: CZFS) proxy
Citizens Financial Services, Inc. (NASDAQ: CZFS) is holding its annual meeting on April 21, 2026, where shareholders will vote on a new 2026 Equity Incentive Plan, which seeks to authorize 250,000 shares for equity awards. This plan replaces the expired 2016 plan and is crucial for retaining and incentivizing employees and directors with equity-based compensation. Other key agenda items include electing five Class 3 directors, ratifying S.R. Snodgrass, P.C. as the independent auditor, and an advisory vote on executive compensation.
Citizens Financial Services (CZFS) Net Interest Margin Strengthens And Challenges Slow Growth Narrative
Citizens Financial Services (CZFS) recently concluded FY 2025 with strong fourth-quarter revenue of US$29.1 million and basic EPS of US$2.19, driven by increased net income and improved profit margins. The company's 31.5% earnings growth over the last year significantly outpaces its 5-year annualized growth rate of 1.7%, challenging the perception of it as a slow-growth entity. Despite a positive valuation gap and strong recent performance, concerns exist regarding its 85% allowance for bad loans against US$26.8 million in non-performing loans.
Citizens Financial Services (CZFS) Net Interest Margin Strengthens And Challenges Slow Growth Narrative
Citizens Financial Services (CZFS) reported strong FY 2025 results with increased revenue and basic EPS, showing a significant 31.5% earnings growth over the last 12 months, contrasting with its 1.7% five-year annualized growth. The company's net interest margin strengthened to 3.5%, challenging its perception as a slow-growth community bank. Despite attractive valuation metrics, potential credit risk due to an 85% allowance for bad loans on $26.8 million in non-performing loans is highlighted as a concern.
(CZFS) as a Liquidity Pulse for Institutional Tactics
This article provides an AI-generated analysis of Citizens Financial Services Inc. (NASDAQ: CZFS), identifying a neutral near-term sentiment with potential for moderate mid-term weakness. It highlights an exceptional 28.7:1 risk-reward setup, targeting an 8.5% gain versus 0.3% risk. The analysis also outlines three distinct institutional trading strategies: Position Trading (LONG), Momentum Breakout (BREAKOUT), and Risk Hedging (SHORT), complete with entry zones, targets, and stop losses based on multi-timeframe signal analysis.
Citizens Financial Services Announces $0.50 Quarterly Dividend
Citizens Financial Services Inc. (NASDAQ:CZFS) has declared a quarterly dividend of $0.50 per share, payable on March 27th to shareholders of record as of March 13th. This announcement highlights the company's financial stability and its strategy to return value to shareholders, which is a key factor for investors in regional banking stocks.
Citizens Financial (CZFS) director adds 675 shares in open-market purchase
Citizens Financial Services Inc. director John P. Painter II purchased an additional 675 shares of COMMON CLASS stock at $61.00 per share in an open-market transaction. This transaction increased his direct ownership to 3,412.0167 shares. The purchase was filed on a Form 4 and is categorized as positive sentiment.
Citizens Financial Svcs: Quiet Community Bank With Big-Cap Style Metrics
Citizens Financial Services (CZFS) is a thinly traded US community bank, part of the First Citizens BancShares franchise, offering resilient earnings, rich dividends, and strong capital. It appeals to income and value investors seeking US regional bank exposure, particularly those focused on capital preservation and payout consistency. Despite minimal analyst coverage and liquidity risks, its conservative culture and relationship banking model provide stability for patient investors.
(CZFS) Movement as an Input in Quant Signal Sets
This article analyzes Citizens Financial Services Inc. (NASDAQ: CZFS) through quantitative signals, highlighting a potential short setup due to weak near-term sentiment. It provides three distinct AI-generated trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—with specific entry, target, and stop-loss levels. The analysis also includes multi-timeframe signal strengths, support, and resistance levels for CZFS.
Liquidity Mapping Around (CZFS) Price Events
This article analyzes Citizens Financial Services Inc. (CZFS) using predictive AI, highlighting conflicting sentiment across different time horizons and suggesting choppy conditions. It identifies an exceptional 29.1:1 risk-reward short setup and outlines three trading strategies—Position, Momentum Breakout, and Risk Hedging—with specific entry, target, and stop-loss levels. The analysis also provides multi-timeframe signal data, including support and resistance levels.
Citizens Financial Services: Fourth Quarter Earnings Overview
Citizens Financial Services Inc. announced strong financial results for its fourth quarter, reporting a net profit of $10.5 million, with earnings of $2.18 per share. The company's total revenue reached $44.5 million, and net revenue after interest expenses was $29.6 million, exceeding analyst expectations. For the full fiscal year, the company achieved a total profit of $36.6 million, or $7.62 per share, on revenues of $112.3 million.
Citizens Financial Services: Q4 Earnings Snapshot
Citizens Financial Services Inc. (CZFS) recorded a net income of $10.5 million for its fourth quarter, translating to earnings of $2.18 per share. The bank reported total revenue of $44.5 million, with revenue net of interest expense reaching $29.6 million, surpassing Street forecasts. For the full year, the company posted a profit of $36.6 million, or $7.62 per share, on revenues of $112.3 million.
Citizens Financial Services (CZFS) Surpasses Q4 Earnings and Revenue Estimates
Citizens Financial Services (CZFS) reported Q4 earnings of $2.18 per share, exceeding the Zacks Consensus Estimate of $2.07 and significantly up from $1.68 a year ago. The company also surpassed revenue estimates, posting $29.61 million against an expectation of $29.4 million. CZFS shares have gained 7.2% year-to-date, outperforming the S&P 500, and hold a Zacks Rank #1 (Strong Buy), indicating potential for continued market outperformance.
