Citizens Financial Services (CZFS) Q2 Earnings and Revenues Surpass Estimates

Core Viewpoint - Citizens Financial Services (CZFS) reported quarterly earnings of $1.76 per share, exceeding the Zacks Consensus Estimate of $1.62 per share, and showing an increase from $1.3 per share a year ago, representing an earnings surprise of +8.64% [1][2] Financial Performance - The company posted revenues of $27.31 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 1.54%, compared to $24.64 million in the same quarter last year [2] - Over the last four quarters, CZFS has exceeded consensus EPS estimates four times and topped consensus revenue estimates two times [2] Stock Performance and Outlook - Citizens Financial Services shares have declined approximately 14% since the beginning of the year, while the S&P 500 has gained 8.3% [3] - The current consensus EPS estimate for the upcoming quarter is $1.62 on revenues of $28.7 million, and for the current fiscal year, it is $6.54 on revenues of $111.5 million [7] Industry Context - The Zacks Industry Rank for Banks - Northeast is currently in the top 10% of over 250 Zacks industries, indicating a favorable outlook for the sector [8]