Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Citizens Financial Services, Inc. (CZFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$86.04-1.44%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
8.81 → 8.81 EPS · FY ending Dec 31, 2027 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for CZFS yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain dividend at $0.5 per share | It keeps paying a stable dividend of $0.5 per share. | Intact | Dividend falls below $0.5 per share | Dividend per share: $0.51 per share FY2026-Q2; GAAP. Published target: >=0.5 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 6, 20260.51 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a small-cap bank with a value-oriented, income-producing profile, rather than a high-growth story. The long-term thesis is intact, but recent performance is mixed and confidence in the evidence is medium.
CZFS is valued cheaply versus peers, while the priced-in assessment is tagged as justified and fragility is low. The expectations gap is slightly negative, so the evidence does not point to especially low expectations despite the cheaper relative valuation.
Through September 2026, loans grew 6.8% year over year and nine-month net interest income before provision rose from the comparable 2025 period. The company raised its quarterly dividend, but the latest earnings report was a miss and company momentum fell sharply; rising non-performing assets are also a concern. Near-term miss risk is described as low, though the record of consecutive misses and smaller size merit attention.
The multi-year thesis depends on continued loan and income growth without a worsening trend in non-performing assets. A guidance cut or Federal Reserve rate cuts would be unfavorable in the stated scenarios, while stronger earnings and guidance from sector peers would support sector momentum.
Over the next one to three years, CZFS has evidence of operating growth and dividend follow-through, but the latest miss and asset-quality concerns make execution important. The thesis remains intact, with limited evidence about how durable the recent growth will be. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Citizens Financial Services grows earnings steadily with EPS around $8.2 in 2026. |
| Intact |
| EPS falls below $7.6 in FY26 |
Diluted EPS: $2.12 per share FY2026-Q2; GAAP. Published target: >=8.2 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Aug 6, 20262.12 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Maintain PE below peer median of 12 | A supporting condition in Citizens Financial Services, Inc.'s published investment case. The stated target is <=12 PE ratio. | Intact | PE rises above 14 | P/E (TTM): 9.77x As of 2026-11-04; trailing twelve months. The target timing and basis require a separate assessment. Nov 4, 20269.7651 ratio · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$8.31 → $8.81 · observed estimates
Unavailable → $0.13B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $8.31 | Unavailable | 1 / 0 |
| 2026-07-25 | $8.31 | Unavailable | 1 / 0 |
| 2026-07-26 | $8.31 | Unavailable | 1 / 0 |
| 2026-07-27 | $8.31 | Unavailable | 1 / 0 |
| 2026-07-28 | $8.31 | Unavailable | 1 / 0 |
| 2026-07-29 | $8.31 | Unavailable | 1 / 0 |
| 2026-07-30 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-07-31 | $8.31 | Unavailable | 1 / 0 |
| 2026-08-01 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-02 | $8.31 | Unavailable | 1 / 0 |
| 2026-08-03 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-04 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-05 | $8.81 | Unavailable | 1 / 0 |
| 2026-08-06 | $8.81 | Unavailable | 1 / 0 |
| 2026-08-07 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-08 | $8.81 | Unavailable | 1 / 0 |
| 2026-08-09 | $8.81 | Unavailable | 1 / 0 |
| 2026-08-10 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-11 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-12 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-13 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-14 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-15 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-16 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-17 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-18 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-19 | $8.31 | $122,100,000 | 1 / 1 |
| 2026-08-20 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-21 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-22 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-23 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-24 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-25 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-26 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-27 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-28 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-29 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-30 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-08-31 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-01 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-02 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-03 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-04 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-05 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-06 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-07 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-08 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-09 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-10 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-11 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-12 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-13 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-14 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-15 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-16 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-17 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-18 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-19 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-20 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-21 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-22 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-23 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-24 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-25 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-26 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-27 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-28 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-29 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-09-30 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-01 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-02 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-03 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-04 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-05 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-06 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-07 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-08 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-09 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-10 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-11 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-12 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-13 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-14 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-15 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-16 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-17 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-18 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-19 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-20 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-21 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-22 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-23 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-24 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-25 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-26 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-27 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-28 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-29 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-30 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-10-31 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-11-01 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-11-02 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-11-03 | $8.81 | $126,000,000 | 1 / 1 |
| 2026-11-04 | $8.81 | $126,000,000 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.