Spoken Alpha
CITIZENS FINANCIAL SERVICES INC
Citizens Financial Services, Inc. operates as a bank holding company that owns and manages First Citizens Community Bank, a Pennsylvania-chartered bank providing deposit accounts, residential and commercial lending, agricultural loans, and trust and investment services to individual, business, governmental and institutional customers across north central and south-central Pennsylvania, southern New York, and Delaware.
CITIZENS FINANCIAL SERVICES INC is a Financial Services company operating in Banks - Regional with a $395.4M market cap.
Most recent reported earnings: Q3 FY2026 (Oct 28, 2026).
Behavioral analysis
Disclosures
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Executives who appear on this company's earnings calls in our corpus, with role and tenure sourced from SEC filings. Click any name for the full role timeline and call appearance history. Per-executive behavioral deviation metrics are available to research subscribers.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CZFS.
$ curl https://api.spokenalpha.com/v1/companies/CZFSFAQ
Spoken Alpha indexes CZFS's earnings call transcripts at https://spokenalpha.com/companies/CZFS. Each call links to attributed speakers and parsed analyst Q&A.
CITIZENS FINANCIAL SERVICES INC (CZFS) held its most recent earnings call on 2026-07-16, covering fiscal Q2 2026.
CITIZENS FINANCIAL SERVICES INC (CZFS) operates in the Financial Services sector (Banks - Regional industry).
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q3 FY2026 | 2026-10-28 | — | $2.20 | — | — | — | — | EODHD |
| Q2 FY2026 | 2026-07-29 | $2.12 | $1.98 | +7.1% | $43.5M | — | — | EODHD |
| Q1 FY2026 | 2026-04-28 | $2.16 | $1.98 | +9.1% | $43.8M | — | — | EODHD |
| Q4 FY2025 | 2026-01-28 | $2.18 | $2.07 | +5.3% | $44.5M | — | — | EODHD |
| Q3 FY2025 | 2025-10-29 | $2.09 | $1.76 | +18.8% | $44.1M | — | — | EODHD |
| Q2 FY2025 | 2025-07-29 | $1.76 | $1.60 | +10.0% | $42.4M | — | — | EODHD |
| Q1 FY2025 | 2025-04-29 | $1.58 | $1.48 | +6.8% | $42.4M | — | — | EODHD |
| Q4 FY2024 | 2025-01-29 | $1.66 | $1.52 | +9.2% | $43.1M | — | — | EODHD |
| Q3 FY2024 | 2024-10-29 | $1.57 | $1.37 | +14.6% | $42.4M | — | — | EODHD |
| Q2 FY2024 | 2024-07-29 | $1.29 | $1.30 | -0.8% | $41.2M | — | — | EODHD |
| Q1 FY2024 | 2024-04-24 | $1.46 | $1.52 | -4.0% | $41.8M | — | — | EODHD |
| Q4 FY2023 | 2024-01-29 | $1.57 | $1.59 | -1.3% | $42.0M | — | — | EODHD |
| Q3 FY2023 | 2023-10-22 | $1.64 | $1.54 | +6.5% | $40.4M | — | — | EODHD |
| Q2 FY2023 | 2023-07-30 | $1.50 | $-0.02 | +100.0% | $29.1M | — | — | EODHD |
| Q1 FY2023 | 2023-04-26 | $1.73 | $1.80 | -3.9% | $27.3M | — | — | EODHD |
| Q4 FY2022 | 2023-01-29 | $1.93 | $1.90 | +1.6% | $26.7M | — | — | EODHD |
| Q3 FY2022 | 2022-10-23 | $1.84 | $1.83 | +0.5% | $24.5M | — | — | EODHD |
| Q2 FY2022 | 2022-07-20 | $1.69 | $1.69 | 0.0% | $21.7M | — | — | EODHD |
| Q1 FY2022 | 2022-04-19 | $1.64 | $1.67 | -1.8% | $20.2M | — | — | EODHD |
| Q4 FY2021 | 2022-01-20 | $1.69 | $1.73 | -2.3% | $21.0M | — | — | EODHD |
Source: EODHD. CZFS reported actuals as published; sparse fields render as —.