Skip to content
Screener

Citizens Financial Services, Inc. CZFS Q2 2026 earnings

Reported July 30, 2026 · Before market open

Revenue$29.7MBeat by $408.0K
EPS$2.12Beat by $0.14
Revenue estimate$29.3M
EPS estimate$1.98

Next report

Oct 29, 2026 (in a month)
Revenue estimate$31.0M
EPS estimate$2.20

Financials

Q2 2026

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

See full
CapEx$287.0K-42.0%

Valuation & ratios

Valuation

as of 09/16/26
See full
Market cap$399.65M+33.1%
Enterprise value$754.25M+33.7%
P/E9.7×+0.2×
P/S3.4×+0.5×

Profitability

See full
Net margin34.8%+4.7pp

Returns & leverage

See full
Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Segments

By segment

See full
Community Banking$43.5M+2.6%

FAQ

When did Citizens Financial Services, Inc. report Q2 2026 earnings?
Citizens Financial Services, Inc. (CZFS) reported Q2 2026 earnings on July 30, 2026 before market open.
What were Citizens Financial Services, Inc.'s Q2 2026 revenue and EPS?
Citizens Financial Services, Inc. reported revenue of $29.7M and eps of $2.12 for Q2 2026.
Did Citizens Financial Services, Inc. beat estimates in Q2 2026?
Revenue beat the consensus estimate of $29.3M by $408.0K. EPS beat the consensus estimate of $1.98 by $0.14.
How did Citizens Financial Services, Inc.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 30.0% from $42.4M a year earlier and eps grew 20.5% from $1.76.
Where can I find Citizens Financial Services, Inc.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0000739421-26-000071) and the 10-Q periodic report (0001140361-26-031479) directly on SEC EDGAR. The filing index links above go to sec.gov.