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Citizens Financial Services, Inc. CZFS Q1 2026 earnings

Reported April 29, 2026 · Before market open

Revenue$29.8MBeat by $684.0K
EPS$2.16Beat by $0.18
Revenue estimate$29.1M
EPS estimate$1.98

Next report

Date not yet announced

Financials

Q1 2026

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation & ratios

Valuation

as of 07/29/26
See full
Market cap$369.4M+41.1%
Enterprise value$535.04M+1.8%
P/E9.4×+1.1×
P/S3.2×+0.7×

Profitability

See full
Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

See full
Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Segments

By segment

See full
Community Banking$44.0M+3.6%

Versus estimates

Revenue

Q1 2026$29.8MBeat by $684.0K
Q4 2025$29.6MBeat by $209.0KQ3 2025$44.1MQ2 2025$42.4MQ1 2025$42.4MQ4 2024$43.1M

Diluted EPS

Q1 2026$2.16Beat by $0.18
Q4 2025$2.18Beat by $0.11Q3 2025$2.09Beat by $0.33Q2 2025$1.76Beat by $0.14Q1 2025$1.60Beat by $0.11Q4 2024$1.68Beat by $0.14

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Questions, answered.

When did Citizens Financial Services, Inc. report Q1 2026 earnings?
Citizens Financial Services, Inc. (CZFS) reported Q1 2026 earnings on April 29, 2026 before market open.
What were Citizens Financial Services, Inc.'s Q1 2026 revenue and EPS?
Citizens Financial Services, Inc. reported revenue of $29.8M and eps of $2.16 for Q1 2026.
Did Citizens Financial Services, Inc. beat estimates in Q1 2026?
Revenue beat the consensus estimate of $29.1M by $684.0K. EPS beat the consensus estimate of $1.98 by $0.18.
How did Citizens Financial Services, Inc.'s Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 29.8% from $42.4M a year earlier and eps grew 35.0% from $1.60.
Where can I find Citizens Financial Services, Inc.'s Q1 2026 SEC filings?
You can read the 8-K earnings release (0000739421-26-000027) and the 10-Q periodic report (0001140361-26-019398) directly on SEC EDGAR. The filing index links above go to sec.gov.