分组1 - Citizens Financial Services reported quarterly earnings of $2.18 per share, exceeding the Zacks Consensus Estimate of $2.07 per share, and up from $1.68 per share a year ago, representing an earnings surprise of +5.31% [1] - The company posted revenues of $29.61 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 0.71%, compared to year-ago revenues of $26.21 million [2] - Citizens Financial Services has outperformed the S&P 500, with shares increasing about 7.2% since the beginning of the year, while the S&P 500 gained 1.9% [3] 分组2 - The current consensus EPS estimate for the coming quarter is $1.96 on revenues of $29.1 million, and for the current fiscal year, it is $7.70 on revenues of $118.7 million [7] - The Zacks Industry Rank for Banks - Northeast is currently in the top 23% of over 250 Zacks industries, indicating a favorable outlook for the industry [8] - The estimate revisions trend for Citizens Financial Services was favorable ahead of the earnings release, resulting in a Zacks Rank 1 (Strong Buy) for the stock, suggesting expected outperformance in the near future [6]

Financial Performance - Net income for 2025 was $36,572,000, an increase of $8,754,000 or 31.5% compared to 2024, driven by higher net interest income [2]. - Total net income for 2025 was $36.6 million, an increase of 31.5% from $27.8 million in 2024 [12]. - Net income for the three months ended December 31, 2025, was $10,483 thousand, up 31.4% from $7,983 thousand in the same period of 2024 [24]. - Basic earnings per share rose to $7.62 in 2025, a 31.4% increase from $5.80 in 2024 [12]. - Annualized return on average assets (GAAP) improved to 1.37% from 1.06% year-over-year [24]. Net Interest Income - Net interest income before the provision for credit losses was $98,001,000 for 2025, a 13.4% increase from 2024, primarily due to increased investment income and decreased interest expense [2]. - Net interest income for 2025 was $98.0 million, up from $86.5 million in 2024, reflecting a net interest margin of 3.50% [14]. - For the three months ended December 31, 2025, net interest income increased to $26,529 thousand, compared to $23,121 thousand for the same period in 2024, reflecting a growth of 10.4% [16]. - Net interest income (fully taxable equivalent) for the three months ended December 31, 2025, was $26,529 thousand, up from $23,121 thousand, a growth of 10.4% [25]. Assets and Loans - Total assets as of December 31, 2025, were $3.06 billion, an increase from $3.03 billion at the end of 2024, with a loan to deposit ratio of 98.89% [7]. - Total assets reached $3.06 billion as of December 31, 2025, compared to $3.03 billion in 2024 [13]. - Net loans increased to $2.33 billion as of December 31, 2025, up $36.3 million from 2024, mainly due to increased commercial loan activity [7]. - Total loans as of December 31, 2025, reached $2,350,622 thousand, an increase from $2,313,242 thousand a year earlier, representing a growth of 1.6% [22]. - The loan to deposit ratio was 98.89% as of December 31, 2025, compared to 97.11% in 2024 [12]. Credit Losses and Non-Performing Assets - The provision for credit losses for 2025 was $2,375,000, a decrease of $212,000 from 2024, influenced by economic forecasts and specific reserves for non-accrual loans [4]. - The allowance for credit losses on loans was $22,806,000 at December 31, 2025, an increase of $1,107,000 from 2024 [7]. - Non-performing assets totaled $29.2 million as of December 31, 2025, an increase of $578,000 since December 31, 2024 [7]. - Non-performing loans increased to $26,831 thousand from $20,560 thousand, representing a rise of 30.5% [23]. - Total non-performing assets increased to $29,189 thousand from $22,994 thousand, a rise of 27.1% [23]. Stockholders' Equity and Dividends - Stockholders' equity increased by $38.3 million to $338.1 million as of December 31, 2025, compared to $299.7 million in 2024 [11]. - A cash dividend of $0.50 per share was declared on December 2, 2025, representing a 3.1% increase over the previous year's dividend [8]. - Cash dividends paid per share increased to $1.980 in 2025 from $1.931 in 2024 [12]. Other Financial Metrics - Return on average equity for 2025 was 11.51%, up from 9.59% in 2024, while return on average tangible equity was 15.94%, compared to 13.84% in 2024 [2]. - Return on average assets (annualized) improved to 1.21% in 2025 from 0.93% in 2024 [12]. - The net interest spread for the year ended December 31, 2025, was 2.97%, up from 2.56% in 2024, indicating improved profitability on interest-earning assets [19]. - The average yield on taxable investment securities increased to 3.26% for the three months ended December 31, 2025, from 2.70% in the same period of 2024 [16]. - The ratio of interest-earning assets to interest-bearing liabilities improved to 125% for the three months ended December 31, 2025, compared to 123% in the same period of 2024 [16].

Core Viewpoint - Citizens Financial Services Inc. (CZFS) is showing potential as a strong investment opportunity due to a recent technical indicator known as a "golden cross" which suggests a bullish breakout may be imminent [1][3]. Technical Analysis - CZFS's 50-day simple moving average has crossed above its 200-day simple moving average, indicating a bullish trend [1]. - A golden cross typically signifies a reversal from a downtrend to an upward trend, consisting of three stages: a downtrend, the crossover of moving averages, and an upward price movement [2]. Performance Metrics - Over the past four weeks, CZFS has experienced a price increase of 14.6% [3]. - The stock currently holds a 1 (Strong Buy) rating on the Zacks Rank, suggesting strong potential for further gains [3]. Earnings Expectations - There has been one upward revision in earnings expectations for the current quarter, with no downward revisions in the past 60 days, indicating positive sentiment among investors [3]. - The Zacks Consensus Estimate for earnings has also increased, reinforcing the bullish outlook for CZFS [3][4]. Investment Outlook - The combination of positive earnings estimate revisions and the technical signal of the golden cross positions CZFS as a stock to watch for potential gains in the near future [4].

Company Overview - Citizens Financial Services (CZFS) shares increased by 5.9% to close at $67.25, supported by strong trading volume, and have gained 8.1% over the past four weeks [1] - The bank is projected to report quarterly earnings of $2.07 per share, reflecting a year-over-year increase of 23.2%, with revenues expected to reach $29.4 million, up 12.2% from the previous year [2] - The consensus EPS estimate for CZFS has been revised 8.3% higher in the last 30 days, indicating a positive trend that typically leads to price appreciation [3] Industry Context - Citizens Financial Services is part of the Zacks Banks - Northeast industry, which includes other stocks like CF Bankshares Inc. (CFBK), which saw a 5.4% increase to $29.42 and an 8% return over the past month [4] - CF Bankshares has an unchanged consensus EPS estimate of $0.76, representing an 11.8% increase compared to the previous year, but currently holds a Zacks Rank of 4 (Sell) [5]

Core Viewpoint - The article emphasizes the importance of identifying sustainable trends in short-term investing to maximize profitability, highlighting the utility of a specific screening strategy to find stocks with strong fundamentals and positive price momentum [1][2]. Group 1: Stock Screening Strategy - The "Recent Price Strength" screen is designed to identify stocks with sufficient fundamental strength to maintain an upward price trend, focusing on those trading in the upper portion of their 52-week high-low range, indicating bullishness [3]. - Citizens Financial Services (CZFS) is highlighted as a candidate that passed the screening, showing a solid price increase of 13.5% over the past 12 weeks, reflecting investor confidence in its potential upside [4]. - CZFS has also maintained a price increase of 2.9% over the last four weeks, indicating that the upward trend is still intact, and it is currently trading at 81.3% of its 52-week high-low range, suggesting a potential breakout [5]. Group 2: Fundamental Strength - CZFS holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises, which are critical for near-term price movements [6]. - The Zacks Rank system has a strong historical performance, with Zacks Rank 1 stocks averaging an annual return of +25% since 1988, indicating the reliability of this ranking system [7]. - The average broker recommendation for CZFS is also 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. Group 3: Additional Insights - The article suggests that CZFS's price trend is unlikely to reverse soon, and encourages investors to explore other stocks that meet the criteria of the "Recent Price Strength" screen [8]. - The Zacks Research Wizard is mentioned as a tool for backtesting stock-picking strategies, which can help investors identify successful investment opportunities based on historical performance [9].

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Financial Performance - Net income for the first nine months of 2025 was $26,089,000, an increase of 31.5% compared to $19,835,000 in the same period last year[116] - Basic earnings per share for the first nine months of 2025 was $5.44, representing a 31.4% increase from $4.14 in the prior year[116] - For the three months ended September 30, 2025, net income was $10,005,000, an increase of 32.8% from $7,536,000 in the comparable 2024 period[117] - Basic earnings per share for the three months ended September 30, 2025 were $2.09, a 33.1% increase from $1.57 in the same period last year[117] Net Interest Income - Net interest income for the first nine months of 2025 was $71,790,000, an increase of $8,208,000 or 12.9% compared to the same period in 2024[119] - Net interest income after the provision for credit losses for the first nine months of 2025 was $69,915,000, compared to $60,995,000 in the first nine months of 2024[119] - Net interest income for the third quarter of 2025 was $25,140,000, an increase of $3,816,000 or 17.9% over the comparable period in 2024[120] - Net interest income after the provision for credit losses for the third quarter of 2025 was $24,640,000, compared to $21,524,000 in 2024[120] Credit Losses - The provision for credit losses for the first nine months of 2025 was $1,875,000, down from $2,587,000 in the same period of 2024[119] - Provision for credit losses for the nine-month period ended September 30, 2025, was $1,875,000, a decrease of $712,000 from the $2,587,000 provision recorded in the same period last year[142] - The allowance for credit losses on loans increased to $22,454,000 (0.96% of total loans) as of September 30, 2025, up from $21,699,000 (0.94%) as of December 31, 2024[168] - The company reported a net charge-off of $730,000 for the first nine months of 2025, with minimal charge-offs in other segments[169] Assets and Liabilities - Total assets increased to $3,031,786 thousand as of September 30, 2025, compared to $2,996,076 thousand in 2024, reflecting a growth of 1.2%[122] - Total deposits increased by $29.2 million to $2.41 billion since year-end 2024[154] - Borrowed funds decreased to $279.6 million as of September 30, 2025, down from $297.7 million as of December 31, 2024, due to increased deposit levels[186] - The average balance of total interest-bearing liabilities was $2,271,526 thousand, with an average rate of 2.72% for the nine months ended September 30, 2025[122] Investment Portfolio - Total investment securities increased to $487,077 thousand, with taxable securities generating $8,607 thousand in interest, up from $6,202 thousand in 2024[122] - The investment portfolio increased by $25.5 million, or 6.0%, from December 31, 2024 to September 30, 2025[157] - The company purchased $46.3 million of mortgage-backed securities, $21.1 million of state and political subdivision bonds, and $1.0 million of corporate obligations during 2025[157] Non-Interest Income and Expenses - Non-interest income for the nine months ended September 30, 2025, totaled $10,946,000, a decrease of $1,116,000 compared to the same period in 2024[145] - Non-interest expenses decreased by $209,000 for the nine months ended September 30, 2025, compared to the same period in 2024[148] Capital and Equity - Total stockholders' equity rose to $327.682 million at September 30, 2025, an increase of $27.948 million, or 9.3%, from $299.734 million at December 31, 2024[189] - The Company reported net income of $26.089 million for the first nine months of 2025, with cash dividends declared totaling $7.146 million, resulting in a payout ratio of 27.4%[189] Risk Management - The company has implemented heightened risk management procedures for its commercial real estate portfolio due to concentration risks[163] - The company employs a disciplined loan review process to assess credit quality and identify problem loans, with external reviews conducted semi-annually[170] - The Company utilizes a computer simulation model to measure the impact of interest rate changes on net interest income, which is part of its risk management strategy[206] Liquidity - Citizens Financial Services, Inc. had liquid assets of approximately $4.2 million as of September 30, 2025, to meet its own liquidity needs[201] - The Bank had a maximum borrowing capacity at the Federal Home Loan Bank (FHLB) of approximately $1.09 billion, with $455.8 million outstanding as of September 30, 2025[200] Market Presence - The company opened a new office in Williamsport, Pennsylvania, in Q4 2023 to enhance market presence in central Pennsylvania[161]

Financial Performance - Net income for the first nine months of 2025 was $26,089,000, an increase of $6,254,000 or 31.5% compared to the same period in 2024[2] - Net income for Q3 2025 was $10,005,000, an increase of 32.7% from $7,536,000 in Q3 2024[15] - For the three months ended September 30, 2025, Citizens Financial Services, Inc. reported net income of $10,005,000, an increase of 18.2% compared to $8,463,000 for the previous quarter[16] - Net income for the three months ended September 30, 2025, was $10,005 thousand, compared to $7,536 thousand for the same period in 2024, reflecting a year-over-year increase of 32.6%[24] Earnings and Dividends - Basic earnings per share for the first nine months of 2025 was $5.44, compared to $4.14 for the same period in 2024[4] - Earnings per share (diluted) rose to $2.09 in Q3 2025, up from $1.57 in Q3 2024, reflecting a 33.1% increase[15] - The company's diluted earnings per share rose to $2.09, compared to $1.76 in the previous quarter, marking a 18.8% increase[16] - A cash dividend of $0.50 per share was declared, representing a 3.1% increase over the previous year's dividend[9] - Cash dividends paid per share increased to $0.500 in Q3 2025 from $0.485 in Q3 2024[15] Asset Quality - Non-performing assets decreased by $5,618,000 or 19.6% since December 31, 2024, totaling $22,994,000 as of September 30, 2025[4] - Non-performing assets decreased to $22,994,000 from $24,045,000 year-over-year, indicating improved asset quality[13] - Non-performing loans decreased to $20,560 thousand from $24,942 thousand in June 2025, a reduction of 17.5%[23] Interest Income and Expenses - Net interest income before the provision for credit losses for the nine months ended September 30, 2025 was $71,790,000, a 12.9% increase from $63,582,000 in 2024[2] - Net interest income for the same period was $25,140,000, up 6.3% from $23,648,000 in the prior quarter[16] - Total interest income for the three months ended September 30, 2025, was $40,254 thousand, compared to $38,689 thousand in 2024, an increase of 4.05%[25] - Net interest income (fully taxable equivalent) for the three months ended September 30, 2025, was $25,425 thousand, up from $21,570 thousand in 2024, reflecting a growth of 18%[25] Credit Losses - The provision for credit losses for the nine months ended September 30, 2025 was $1,875,000, a decrease of $712,000 from $2,587,000 in 2024[4] - The company reported a provision for credit losses of $500,000 in Q3 2025, compared to a release of $200,000 in Q3 2024[15] - The provision for credit losses was $500,000, a decrease from $750,000 in the previous quarter, indicating improved credit quality[16] Assets and Liabilities - Total assets as of September 30, 2025 were $3.06 billion, compared to $3.03 billion at December 31, 2024[8] - Total assets as of September 30, 2025, reached $3,056,421,000, compared to $3,025,724,000 at the end of 2024[14] - Total assets increased to $3,019,016,000, reflecting a growth from $3,003,434,000 in the previous quarter[17] - Total loans increased to $2,335,388 thousand as of September 30, 2025, up from $2,241,755 thousand in June 2025, representing a growth of 4.19%[22] - The allowance for credit losses on loans was $22,454,000 as of September 30, 2025, an increase of $755,000 from December 31, 2024[8] - The allowance for credit losses on loans increased to $22,454 thousand as of September 30, 2025, from $22,109 thousand in June 2025, indicating a rise of 1.55%[23] Return on Equity and Assets - Return on average equity for the nine months ended September 30, 2025 was 11.15%, up from 9.23% in the same period of 2024[2] - Return on average assets (annualized) improved to 1.33% in Q3 2025 from 1.01% in Q3 2024[13] - Annualized return on average assets (GAAP) improved to 1.33% for the three months ended September 30, 2025, compared to 1.01% in the same period of 2024[24] Trust Assets - Trust assets under management grew to $194,325,000, up from $181,052,000 year-over-year[13]

Core Insights - Citizens Financial Services, Inc. reported a significant increase in net income for the first nine months of 2025, totaling $26.1 million, which is a 31.5% increase compared to the same period in 2024 [5][9] - The company experienced growth in net interest income, driven by an increase in investment income and a decrease in interest expense, leading to a net interest margin increase from 3.09% to 3.44% [5][9] - The effective tax rate for the first nine months of 2025 was 18.9%, up from 17.8% in the same period of 2024 [5] Financial Performance - For the nine months ended September 30, 2025, net income was $26,089,000, an increase of $6,254,000 from $19,835,000 in 2024, with basic earnings per share rising from $4.14 to $5.44 [5][9] - The annualized return on average equity improved to 11.15% for the nine months ended September 30, 2025, compared to 9.23% in 2024 [5][9] - Non-performing assets decreased by $5,618,000, or 19.6%, since December 31, 2024, totaling $22,994,000 as of September 30, 2025 [5][9] Income and Expenses - Total non-interest income for the nine months ended September 30, 2025, was $10,946,000, down from $12,062,000 in 2024, primarily due to the absence of gains from the sale of the Braavo division [5][9] - Total non-interest expenses decreased slightly to $48,709,000 from $48,918,000 in the previous year, despite an increase in salary and benefit costs [5][9] - The provision for credit losses for the nine months ended September 30, 2025, was $1,875,000, a decrease from $2,587,000 in 2024 [5][9] Balance Sheet Highlights - As of September 30, 2025, total assets were $3.06 billion, a slight increase from $3.03 billion at December 31, 2024 [9][10] - Deposits increased by $29.2 million to $2.41 billion, while net loans totaled $2.31 billion, reflecting a modest increase [9][10] - Stockholders' equity rose to $327.7 million from $299.7 million at the end of 2024, driven by net income and a decrease in accumulated other comprehensive loss [9][10] Dividend Information - The Board of Directors declared a cash dividend of $0.50 per share, representing a 3.1% increase over the previous year's dividend of $0.485 per share [6]

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