CZFS

MANSFIELD, Pa. (AP) — MANSFIELD, Pa. (AP) — Citizens Financial Services Inc. (CZFS) on Wednesday reported net income of $10.4 million in its first quarter. The Mansfield, Pennsylvania-based bank said it had earnings of $2.16 per share. The bank posted revenue of $44 million in the period. Its revenue net of interest expense was $29.8 million, which topped Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on CZFS at https://www.zacks.com/ap/CZFS

This article first appeared on GuruFocus. Citizens Financial Services Inc (NASDAQ:CZFS) is set to release its Q1 2026 earnings on Apr 30, 2026. The consensus estimate for Q1 2026 revenue is $25.70 million, and the earnings are expected to come in at $1.98 per share. The full year 2026's revenue is expected to be $102.60 million and the earnings are expected to be $7.81 per share. More detailed estimate data can be found on the Forecast page. Warning! GuruFocus has detected 4 Warning Signs with CZFS. Is CZFS fairly valued? Test your thesis with our free DCF calculator. Revenue estimates for Citizens Financial Services Inc (NASDAQ:CZFS) have declined from $103.40 million to $102.60 million for the full year 2026 and declined from $107.60 million to $105.30 million for 2027 over the past 90 days. Earnings estimates for Citizens Financial Services Inc (NASDAQ:CZFS) have increased from $7.70 per share to $7.81 per share for the full year 2026 and increased from $7.90 per share to $7.93 per share for 2027 over the past 90 days. In the previous quarter of 2025-12-31, Citizens Financial Services Inc's (NASDAQ:CZFS) actual revenue was $26.21 million, which beat analysts' revenue expectations of $25.60 million by 2.39%. Citizens Financial Services Inc's (NASDAQ:CZFS) actual earnings were $2.18 per share, which beat analysts' earnings expectations of $2.07 per share by 5.31%. After releasing the results, Citizens Financial Services Inc (NASDAQ:CZFS) was up by 2.30% in one day. Based on the one-year price targets offered by 1 analyst, the average target price for Citizens Financial Services Inc (NASDAQ:CZFS) is $69.00 with a high estimate of $69.00 and a low estimate of $69.00. The average target implies an upside of 2.66% from the current price of $67.21. Based on GuruFocus estimates, the estimated GF Value for Citizens Financial Services Inc (NASDAQ:CZFS) in one year is $58.50, suggesting a downside of -12.96% from the current price of $67.21. Based on the consensus recommendation from 1 brokerage firm, Citizens Financial Services Inc's (NASDAQ:CZFS) average brokerage recommendation is currently 2.0, indicating an "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies strong buy, and 5 denotes sell.

Citizens Financial Services (CZFS) came out with quarterly earnings of $2.16 per share, beating the Zacks Consensus Estimate of $1.98 per share. This compares to earnings of $1.6 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.09%. A quarter ago, it was expected that this bank would post earnings of $2.07 per share when it actually produced earnings of $2.18, delivering a surprise of +5.31%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Citizens Financial Services, which belongs to the Zacks Banks - Northeast industry, posted revenues of $29.8 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 2.42%. This compares to year-ago revenues of $26.43 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Citizens Financial Services shares have added about 17.9% since the beginning of the year versus the S&P 500's gain of 4.3%. While Citizens Financial Services has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Citizens Financial Services was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future...

MANSFIELD, Pa., April 29, 2026 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three months ended March 31, 2026. Highlights Net income was $10.4 million for the three months ended March 31, 2026, which is 36.15% more than the net income for 2025's comparable period. The increase was driven by the increase in net interest income before the provision for credit losses of $3.1 million. The effective tax rate for the three months ended March 31, 2026 was 18.3% compared to 19.1% in the comparable period in 2025, with the decrease due to increases in nontaxable interest income and earnings on BOLI due to the purchase of additional insurance policies in the first quarter of 2026. Net interest income before the provision for credit losses was $26.1 million for the three months ended March 31, 2026, an increase of $3,111,000, or 13.5%, over the same period a year ago and was primarily due to an increase in loan interest income and a decrease in interest expense on deposits and borrowings. Return on average equity for the three months (annualized) ended March 31, 2026 was 12.03% compared to 10.00% for the three months (annualized) ended March 31, 2025. Return on average tangible equity for the three months (annualized) ended March 31, 2026 was 16.15% compared to 14.09% for the three months (annualized) ended March 31, 2025 (non-GAAP). (1) Return on average assets for the three months (annualized) ended March 31, 2026 was 1.34% compared to 1.00% for the three months (annualized) ended March 31, 2025. Non-performing assets increased $10,914,000 since December 31, 2025 and totaled $40,103,000 as of March 31, 2026, which is $12,621,000 higher than the balance as of March 31, 2025. The increase from December 31, 2025 is due to four commercial real estate loan relationships being placed on non-accrual status during the first quarter of 2026 due to becoming more than 90 days past due. The Bank's continued strategy for certain acquired loans is to either improve the credit metrics of the non-performing loans or sell the underlying collateral or have the customers refinance the loans with another institution. As a percent of loans, non-performing assets totaled 1.74%, 1.24% and 1.19% as of March 31, 2026, December 31, 2025 and Marc...

HBT Financial (HBT) came out with quarterly earnings of $0.68 per share, beating the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.61 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +9.68%. A quarter ago, it was expected that this bank holding company would post earnings of $0.64 per share when it actually produced earnings of $0.64, delivering no surprise. Over the last four quarters, the company has surpassed consensus EPS estimates three times. HBT Financial, which belongs to the Zacks Banks - Northeast industry, posted revenues of $67.33 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 0.72%. This compares to year-ago revenues of $58.01 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. HBT Financial shares have added about 8.9% since the beginning of the year versus the S&P 500's gain of 4.7%. While HBT Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for HBT Financial was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) s...

Pathward Financial (CASH) came out with quarterly earnings of $3.35 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $3.11 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this holding company for Pathward, N.A. would post earnings of $1.38 per share when it actually produced earnings of $1.57, delivering a surprise of +13.77%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Pathward, which belongs to the Zacks Banks - Northeast industry, posted revenues of $276.3 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 1.89%. This compares to year-ago revenues of $262.86 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Pathward shares have added about 37.7% since the beginning of the year versus the S&P 500's gain of 3.2%. While Pathward has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Pathward was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for...

Bank OZK (OZK) came out with quarterly earnings of $1.44 per share, missing the Zacks Consensus Estimate of $1.46 per share. This compares to earnings of $1.47 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -1.49%. A quarter ago, it was expected that this bank would post earnings of $1.56 per share when it actually produced earnings of $1.53, delivering a surprise of -1.92%. Over the last four quarters, the company has surpassed consensus EPS estimates just once. Bank OZK, which belongs to the Zacks Banks - Northeast industry, posted revenues of $418.1 million for the quarter ended March 2026, missing the Zacks Consensus Estimate by 0.89%. This compares to year-ago revenues of $409.23 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Bank OZK shares have added about 7% since the beginning of the year versus the S&P 500's gain of 3.9%. While Bank OZK has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Bank OZK was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interest...

MANSFIELD, Pa. (AP) — MANSFIELD, Pa. (AP) — Citizens Financial Services Inc. (CZFS) on Thursday reported net income of $10.5 million in its fourth quarter. The Mansfield, Pennsylvania-based bank said it had earnings of $2.18 per share. The bank posted revenue of $44.5 million in the period. Its revenue net of interest expense was $29.6 million, exceeding Street forecasts. For the year, the company reported profit of $36.6 million, or $7.62 per share. Revenue was reported as $112.3 million. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on CZFS at https://www.zacks.com/ap/CZFS

Citizens Financial Services (CZFS) came out with quarterly earnings of $2.18 per share, beating the Zacks Consensus Estimate of $2.07 per share. This compares to earnings of $1.68 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +5.31%. A quarter ago, it was expected that this bank would post earnings of $1.76 per share when it actually produced earnings of $2.09, delivering a surprise of +18.75%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Citizens Financial Services, which belongs to the Zacks Banks - Northeast industry, posted revenues of $29.61 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 0.71%. This compares to year-ago revenues of $26.21 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Citizens Financial Services shares have added about 7.2% since the beginning of the year versus the S&P 500's gain of 1.9%. While Citizens Financial Services has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Citizens Financial Services was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #1 (Strong Buy) for the stock. So, the shares are expected to outperform the market in the near fut...

MANSFIELD, Pa., Jan. 29, 2026 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three months and year ended December 31, 2025. Highlights Net income was $36,572,000 for 2025, which is $8,754,000, or 31.5%, more than 2024's net income due to the increase in net interest income after the provision for credit losses of $11,758,000. The effective tax rate for 2025 was 18.9% compared to 17.4% in 2024. Net income was $10,483,000 for the three months ended December 31, 2025, which was $2,500,000 more than the net income for 2024's comparable period due to an increase in net interest income after the provision for credit losses of $2,838,000. The effective tax rate for the three months ended December 31, 2025 was 19.0% compared to 16.4% in the comparable period in 2024. Net interest income before the provision for credit losses was $98,001,000 for 2025, an increase of $11,546,000, or 13.4%, over 2024 and was primarily due to an increase in investment income and a decrease in interest expense. The provision for credit losses for the three months and the year ended December 31, 2025 was $500,000 and $2,375,000, respectively, compared to no provision and $2,587,000 for the three months and the year ended December 31, 2024, respectively. The provision for the 2025 periods was driven by the current economic forecasts and specific reserves for non-accrual loans at December 31, 2025. The provision for 2024 was significantly impacted by loans that were not sold as part of the sale of a division known as Braavo that occurred in the first quarter of 2024. The vast majority of the Braavo loans that were retained after the sale were originated by Huntington Valley Bank in 2023 prior to the acquisition and were current as of the acquisition date in 2023. The provision for 2024, directly attributable to these loans, was $1,806,000. Return on average equity for the three months (annualized) and the year ended December 31, 2025 was 12.53% and 11.51% compared to 10.63% and 9.59% for the three months (annualized) and the year ended December 31, 2024, respectively. If the provision for the credit losses attributable to the Braavo loans and the gain on the sale of Braavo are excluded, the return on average equity for the year ended December 31...

Midland States Bancorp (MSBI) came out with quarterly earnings of $0.53 per share, missing the Zacks Consensus Estimate of $0.7 per share. This compares to a loss of $2.52 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of -24.29%. A quarter ago, it was expected that this company would post earnings of $0.61 per share when it actually produced earnings of $0.24, delivering a surprise of -60.66%. Over the last four quarters, the company has surpassed consensus EPS estimates just once. Midland States Bancorp, which belongs to the Zacks Banks - Northeast industry, posted revenues of $85.57 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 9.01%. This compares to year-ago revenues of $75.6 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Midland States Bancorp shares have added about 12.1% since the beginning of the year versus the S&P 500's gain of 0.4%. While Midland States Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Midland States Bancorp was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete l...

Citizens Financial Services (CZFS) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended December 2025. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The stock might move higher if these key numbers top expectations in the upcoming earnings report. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This bank is expected to post quarterly earnings of $2.07 per share in its upcoming report, which represents a year-over-year change of +23.2%. Revenues are expected to be $29.4 million, up 12.2% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 8.29% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only....