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Citizens Financial Services, Inc.

CZFS Finance Major Banks
$65.37
▲ +1.8% Today
as of Jun 7, 07:12 ET
Last 30 days -2.74% Apr 28 → Jun 05
$59.91 $61.87 $63.83 $65.79 $67.75 Apr 28 May 05 May 13 May 20 May 29 Jun 05
Open
$64.13
High
$65.37
Low
$64.99
Volume
$4,355
Avg Vol
$9,142
Mkt Cap
$318M
P/E (TTM)
10.88
Beta
52w High
$69.58
52w Low
$49.99
Div Yield
Shares Out

Overview

52-week range
$50
$70
79% of range
Avg surprise (last 1)
+7.4%
Avg reaction (last 1)
-1.0%
0% positive

Earnings trends

EPS — actual vs estimate Actual Estimate
$-1.00$-0.21$0.58$1.37$2.16 Actual $-1.00Actual $1.59Actual $1.48Actual $1.10Actual $1.57Actual $1.60Est $1.49Actual $1.76Actual $2.09Actual $2.16 JunSepMarJunSepMar/2025JunSepMar
Revenue vs Net Income Revenue Net income
$0$3M$5M$8M$11M Jun 24Sep 24Mar 25Jun 25Sep 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Mar 31, 2026Mar 2026 $2.16 financials
Tue Sep 30, 2025Sep 2025 $2.09 financials
Mon Jun 30, 2025Jun 2025 $1.76 financials
Wed Apr 30, 2025Mar/2025 $1.60 $1.49 +7.4% -1.0% earnings
Mon Sep 30, 2024Sep 2024 $1.57 financials
Sun Jun 30, 2024Jun 2024 $1.10 financials
Sun Mar 31, 2024Mar 2024 $1.48 financials
Sat Sep 30, 2023Sep 2023 $1.59 financials
Fri Jun 30, 2023Jun 2023 $-1.00 financials

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue$2M$3M$2M$2M$3M$2M
Cost of revenue
Gross profit
Operating income
Net income$10M$10M$8M$8M$8M$5M
EPS (diluted)$2.16$2.09$1.76$1.59$1.57$1.10

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$33M$34M$31M$49M$37M$42M$37M$38M
Inventory
Total current assets
Total assets$3.03B$3.06B$3.06B$2.97B$3.02B$3.03B$3.03B$2.95B
Long-term debt
Total liabilities$2.68B$2.73B$2.73B$2.65B$2.71B$2.73B$2.73B$2.66B
Total equity$344M$338M$328M$314M$308M$300M$299M$286M

Implied volatility — last 90 days

No IV snapshots yet for CZFS.

IV is captured twice daily (9:15 AM & 4:30 PM ET) for tickers with upcoming earnings. Comes online automatically once the next options refresh runs.

Sector peers

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