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 $354.7M market cap.
Most recent reported earnings: Q2 FY2026 (Jul 28, 2026).
Behavioral analysis
Disclosures
Transcripts
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History
Spoken Alpha tracks CZFS's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
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) operates in the Financial Services sector (Banks - Regional industry).
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-28 | — | $1.98 | — | — | — | — | 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 |
| Q3 FY2021 | 2021-10-21 | $1.72 | $1.67 | +3.0% | $21.2M | — | — | EODHD |
Source: EODHD. CZFS reported actuals as published; sparse fields render as —.
Repeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.20 | $3.93 | -18.5% | -1.3% | +0.9% |
| Q4 FY2026 | $3.43 | $3.94 | -13.0% | -5.8% | -4.2% |
| Q3 FY2026 | $3.31 | $4.06 | -18.5% | +1.5% | +0.1% |
| Q2 FY2026 | $3.49 | $4.15 | -15.8% | -0.5% | +2.2% |
| Q1 FY2025 | $3.65 | $4.06 | -10.2% | +1.6% | +4.0% |
OTHER since 2024 • 6/8 beats (75%) • last guidance cut Q3 FY2026
| Q4 FY2025 |
| $3.81 |
| $4.11 |
| -7.4% |
| +0.1% |
| +0.1% |
| Q3 FY2025 | $3.67 | $4.17 | -11.9% | -2.9% | -0.1% |
| Q2 FY2025 | $3.53 | $4.10 | -13.8% | -6.5% | -6.4% |
| Q1 FY2024 | $4.00 | $4.17 | -4.1% | +3.7% | +6.5% |
| Q4 FY2024 | $3.83 | $4.33 | -11.6% | -0.5% | -3.5% |