<div id="readability-page-1"><p>Citizens Financial Services (NASDAQ:CZFS - Get Free Report) is expected to issue its  Q4 2025 results before the market opens on Thursday, January 29th. Analysts expect Citizens Financial Services to post earnings of $1.79 per share for the quarter. Individuals are encouraged to explore the company's upcoming Q4 2025 earning overview page for the latest details on the call scheduled for Friday, January 30, 2026 at 4:00 PM ET.</p><p>Citizens Financial Services (NASDAQ:CZFS - Get Free Report) last issued its earnings results on Thursday, October 30th. The company reported $2.09 earnings per share for the quarter, topping the consensus estimate of $1.76 by $0.33. Citizens Financial Services had a net margin of 19.80% and a return on equity of 10.91%. The company had revenue of $28.99 million for the quarter.  On average, analysts expect Citizens Financial Services to post $6 EPS for the current fiscal year and $7 EPS for the next fiscal year. </p><h2>Citizens Financial Services Trading Up 5.9%</h2><p>Shares of Citizens Financial Services stock opened at $67.25 on Thursday. The company has a 50-day moving average of $58.63 and a two-hundred day moving average of $58.47. Citizens Financial Services has a 12-month low of $49.96 and a 12-month high of $67.93. The company has a current ratio of 0.98, a quick ratio of 0.98 and a debt-to-equity ratio of 0.85. The stock has a market cap of $323.47 million, a PE ratio of 9.43 and a beta of 0.41. </p><h2>Citizens Financial Services Announces Dividend</h2><p>The company also recently disclosed a quarterly dividend, which was paid on Friday, December 26th. Investors of record on Friday, December 12th were paid a $0.50 dividend. This represents a $2.00 annualized dividend and a yield of 3.0%. The ex-dividend date of this dividend was Friday, December 12th. Citizens Financial Services's dividend payout ratio (DPR) is presently 28.05%. </p><h2>Analyst Upgrades and Downgrades</h2><p>A number of research firms have commented on CZFS. Zacks Research upgraded Citizens Financial Services from a &#34;hold&#34; rating to a &#34;strong-buy&#34; rating in a research report on Friday, January 9th. Weiss Ratings  reaffirmed a &#34;hold (c)&#34; rating on shares of Citizens Financial Services in a research note on Wednesday, October 8th. Finally, Janney Montgomery Scott upgraded shares of Citizens Financial Services to a &#34;strong-buy&#34; rating in a research report on Wednesday, October 22nd. Two investment analysts have rated the stock with a Strong Buy rating and one  has given a Hold rating to the company. Based on data from MarketBeat.com, Citizens Financial Services currently has an average rating of &#34;Buy&#34;.</p><p><b>Read Our Latest Analysis on CZFS</b></p><h2>Insider Buying and Selling</h2><p>In related news, CEO Randall E. Black acquired 478 shares of the company's stock in a transaction that occurred on Monday, November 3rd. The stock was purchased at an average price of $54.10 per share, for a total transaction of $25,859.80. Following the transaction, the chief executive officer owned 44,013 shares in the company, valued at $2,381,103.30. This trade represents a 1.10% increase in their position. The purchase was disclosed in a filing with the Securities &amp; Exchange Commission, which is available through this link. In the last three months, insiders bought 516 shares of company stock worth $27,903. Company insiders own  6.10% of the company's stock. </p><h2>Institutional Investors Weigh In On Citizens Financial Services</h2><p>A number of hedge funds and other institutional investors have recently modified their holdings of CZFS. Millennium Management LLC acquired a new position in shares of  Citizens Financial Services in the third quarter valued at approximately $365,000.  Citadel Advisors LLC purchased a new stake in  Citizens Financial Services in the 3rd quarter worth approximately $301,000.  BNP Paribas Financial Markets raised its holdings in  Citizens Financial Services by 67.6% in the 3rd quarter. BNP Paribas Financial Markets now owns 1,103 shares of the company's stock valued at $66,000 after acquiring an additional 445 shares during the last quarter.  Franklin Resources Inc. purchased a new position in shares of  Citizens Financial Services during the 3rd quarter worth $217,000.  Finally, Russell Investments Group Ltd. boosted its holdings in shares of  Citizens Financial Services by 3,225.0% during the third quarter. Russell Investments Group Ltd. now owns 1,463 shares of the company's stock worth $88,000 after purchasing an additional 1,419 shares during the last quarter. 22.49% of the stock is currently owned by hedge funds and other institutional investors. </p><h2>Citizens Financial Services Company Profile</h2> (Get Free Report)<p>Citizens Financial Services, Inc <span>NASDAQ: CZFS<span></span></span> is a bank holding company headquartered in Elderton, Pennsylvania, providing a range of retail and commercial banking services through its primary subsidiary, Citizens Savings Bank. The company offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit, supported by online and mobile banking platforms tailored to personal and business clients.  </p><p>Beyond deposit-taking, Citizens Financial Services underwrites a variety of lending products, including residential mortgage loans, home equity financing, commercial real estate loans, construction lending and consumer installment loans.</p><h2>Featured Articles</h2><ul><li>Five stocks we like better than Citizens Financial Services</li><li>Trump Devises the Death of the IRS ☠️</li><li>Buffett, Gates and Bezos Quietly Dumping Stocks—Here's Why</li><li>Bitcoin is down but your income is about to explode</li><li>A month before the crash</li><li>Melt-up warning</li></ul><p><img src="https://imageproxy.pbkrs.com/https://www.marketbeat.com/scripts/EarningsChart.ashx/query-UHJlZml4PU5BU0RBUSZTeW1ib2w9Q1pGUw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="650" height="325" original-src="https://imageproxy.pbkrs.com/https://www.marketbeat.com/scripts/EarningsChart.ashx/query-UHJlZml4PU5BU0RBUSZTeW1ib2w9Q1pGUw"/></p><p><em>This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to contact@marketbeat.com.</em></p><h2>Should You Invest $1,000 in Citizens Financial Services Right Now?</h2><p>Before you consider Citizens Financial Services, you'll want to hear this.</p><p>MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Citizens Financial Services wasn't on the list.</p><p>While Citizens Financial Services currently has a Buy rating among analysts, top-rated analysts believe these five stocks are better buys.</p><p>View The Five Stocks Here</p>                  </div>

CZFS

<p>Citizens Financial Services (NASDAQ:CZFS) is set to announce its Q4 2025 earnings on January 29, with analysts predicting earnings of $1.79 per share. The company recently reported Q3 earnings of $2.09 per share, exceeding estimates. Citizens Financial Services also declared a quarterly dividend of $0.50, yielding 3.0%. The stock has seen a 5.9% increase, with a current price of $67.25. Analysts have upgraded the stock to a "strong-buy" rating, reflecting positive sentiment among investors and institutional holdings.</p>

Citizens Financial Services (CZFS) Expected to Announce Earnings on Thursday