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Citizens Financial Servs (NASDAQ:CZFS) Stock, Option Chain

Citizens Financial Servs

CITIZENS FINCL SVCS

Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management and retirement services.

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CZFS

MNSB

MainStreet Bank (NASDAQ: MNSB) came out with quarterly earnings of $0.36 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $1.01 per share a year ago. These figures are adjusted for non-recurring items.

MainStreet Bank Q1 Earnings and Revenues Lag Estimates

Intraday Update

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Stocks That Hit 52-Week Highs On Tuesday

Dividends

Citizens Financial Services, Inc. Declares Dividend of $.26

Citizens Financial Services, Inc. - Common Stock

Citizens Financial Services Inc

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly earnings of $1.68 per share which beat the analyst consensus estimate of $1.54 by 9.09 percent. This is a 6.33 percent increase over earnings of $1.58 per share from the same period last year.

Earnings Beats

Citizens Financial Servs Q4 2024 GAAP EPS $1.68 Beats $1.54 Estimate

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Shares of banking-related companies are trading higher after Donald Trump won the US presidential election.

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly earnings of $1.11 per share which missed the analyst consensus estimate of $1.32 by 15.91 percent. This is a 211 percent increase over losses of $(1.00) per share from the same period last year.

Earnings Misses

Citizens Financial Servs Q2 EPS $1.11

Janney Montgomery Scott analyst Jake Civiello upgrades Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) from Neutral to Buy.

Upgrades

Analyst Ratings

Janney Montgomery Scott Upgrades Citizens Financial Servs to Buy

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly earnings of $1.49 per share which missed the analyst consensus estimate of $1.55 by 3.87 percent. This is a 12.87 percent decrease over earnings of $1.71 per share from the same period last year.

Citizens Financial Servs Q1 EPS $1.49 Misses $1.55 Estimate

MainStreet Bank (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/mnsb#NASDAQ">MNSB</a>)&nbsp;came out with quarterly earnings of $0.36 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $1.01 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of -30.77%. A quarter ago, it was expected that this company would post earnings of $0.68 per share when it actually produced earnings of $0.61, delivering a surprise of -10.29%.
Over the last four quarters, the company has surpassed consensus EPS estimates just once.
MainStreet Bank, which belongs to the Zacks Banks - Northeast industry, posted revenues of $16.26 million for the quarter ended March 2024, missing the Zacks Consensus Estimate by 6.85%. This compares to year-ago revenues of $22.09 million. The company has not been able to beat consensus revenue estimates over the last four quarters.
The sustainability of the stock&#39;s immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management&#39;s commentary on the earnings call.
MainStreet Bank shares have lost about 30.6% since the beginning of the year versus the S&amp;P 500&#39;s gain of 4.1%.
What&#39;s Next for MainStreet Bank?
While MainStreet Bank has underperformed the market so far this year, the question that comes to investors&#39; minds is: what&#39;s next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company&#39;s earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for MainStreet Bank: unfavorable. While the magnitude and direction of estimate revisions could change following the company&#39;s just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future.
It will be interesting to see how estimates for the coming quarters and current fiscal year change in the days ahead. The current consensus EPS estimate is $0.50 on $17.96 million in revenues for the coming quarter and $2.05 on $72.66 million in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Northeast is currently in the bottom 40% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, Citizens Financial Services (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/czfs#NASDAQ">CZFS</a>), has yet to report results for the quarter ended March 2024.
This bank is expected to post quarterly earnings of $1.55 per share in its upcoming report, which represents a year-over-year change of -9.4%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Citizens Financial Services&#39; revenues are expected to be $25.9 million, up 27.9% from the year-ago quarter.
<a href="https://www.zacks.com/stock/news/2259046/mainstreet-bank-mnsb-q1-earnings-and-revenues-lag-estimates?cid=CS-BENZ-FT-tale_of_the_tape|yseop_template_4-2259046">To read this article on Zacks.com click here.</a>

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly earnings of $1.60 per share which missed the analyst consensus estimate of $1.62 by 1.23 percent. This is a 18.78 percent decrease over earnings of $1.97 per share from the same period last year.

Citizens Financial Servs Q4 EPS $1.60 Misses $1.62 Estimate

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly earnings of $1.61 per share which beat the analyst consensus estimate of $1.57 by 2.55 percent. This is a 14.36 percent decrease over earnings of $1.88 per share from the same period last year.

Citizens Financial Servs Q3 EPS $1.61 Beats $1.57 Estimate

Wednesday marks the last chance for investors to receive the next dividend payout from Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>). 
<h3>What's Happening</h3>
The company announced on Friday that it would pay shareholders a quarterly dividend of 49 cents per share. On Thursday, Citizens Financial Servs will go ex-dividend, meaning the stock will trade lower to reflect that payout. In other words, the stock will likely open 49 cents lower than it would have opened on any other day.
In order to be eligible to receive a company's dividend, shareholders must own the stock prior to the ex-dividend date—in this case, Thursday. Shareholders who own CZFS as of the end of Wednesday's session are eligible to receive the 49 cents dividend payout for every share that they own. 
According to the company, this dividend will be paid out to shareholders on September 29, 2023. Investors will then be able to either reinvest those dividends back into the stock or use the payment in some other way. 
To stay up-to-date with the companies that are announcing their dividends, <a href="https://www.benzinga.com/calendars/dividends">click here</a> to visit our Dividends Calendar.

Citizens Financial Servs's Ex-Dividend Date Is Thursday, Here's What You Need To Know

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly losses of $(1.01) per share which missed the analyst consensus estimate of $(0.02) by 4950 percent. This is a 158.72 percent decrease over earnings of $1.72 per share from the same period last year. The company reported quarterly sales of $20.20 million which beat the analyst consensus estimate of $18.40 million by 9.79 percent. This is a 0.84 percent increase over sales of $20.03 million the same period last year.

Citizens Financial Servs Q2 EPS $(1.01) Misses $(0.02) Estimate, Sales $20.20M Beat $18.40M Estimate

Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) reported quarterly losses of $(1.01) per share which missed the analyst consensus estimate of $(0.02) by 4950 percent. This is a 158.72 percent decrease over earnings of $1.72 per share from the same period last year.

Citizens Financial Servs Q2 EPS $(1.01) Misses $(0.02) Estimate

Janney Montgomery Scott analyst Jake Civiello downgrades Citizens Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) from Buy to Neutral and announces $80 price target.

Downgrades

Price Target

Janney Montgomery Scott Downgrades Citizens Financial Servs to Neutral, Announces $80 Price Target

&nbsp;Citizens Financial Services, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZFS#NASDAQ">CZFS</a>) ("CZFS") announced today the preliminary results of the elections regarding the merger consideration to be received by stockholders of HV Bancorp, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HVBC#NASDAQ">HVBC</a>) ("HVBC") in HVBC's pending merger with CZFS. CZFS and HVBC anticipate closing the transaction on June 16, 2023, subject to the satisfaction of customary closing conditions.
HVBC stockholders were entitled to elect to receive either (x)&nbsp;$30.50 in cash or (y)&nbsp;0.4040 shares of CZFS common stock for each share of HVBC common stock and will receive cash in lieu of fractional shares based on&nbsp;the average of the daily closing sales prices of one share of CZFS common stock as reported on Nasdaq for the five consecutive trading days ending on the third business day immediately prior to the closing date, rounded to the nearest whole cent.
Based on the preliminary election results and applying the provisions set forth in the merger agreement, whereby 20% of the outstanding shares of HVBC common stock will be exchanged for cash and 80% of the outstanding shares of HVBC common stock will be exchanged for CZFS common stock:
<ul>
<li>HVBC stockholders will receive 0.4040 shares of CZFS common stock for each share of HVBC common stock for which they made a valid stock election;</li>
<li>HVBC stockholders who expressed no preference or did not make a valid election will receive 0.4040 shares of CZFS common stock for each share of HVBC common stock held by them; and</li>
<li>For HVBC stockholders who made a valid cash election, approximately 45.49% of the shares of HVBC common stock held by such persons will be exchanged for cash at the rate of $30.50 for each HVBC share exchanged and the balance of the HVBC shares held by such persons will be exchanged for CZFS common stock at the rate of 0.4040 shares of CZFS common stock for each HVBC share exchanged.</li>
</ul>
Of the 2,242,421 shares of HVBC common stock outstanding as of the record date for the election process:
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<li>Holders of 888,303 shares, or 39.61%, elected to receive CZFS common stock;</li>
<li>Holders of 985,979 shares, or 43.97%, elected to receive cash; and
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<li>Holders of 368,139 shares, or 16.42%, did not make a valid election or did not express a preference.</li>
</ul>
</li>
</ul>

HVBC

Citizens Financial Services, Inc. Announces Preliminary Results Of Merger Consideration Elections Regarding Pending HV Bancorp, Inc. Merger; HVBC Stockholders Were Entitled To Elect To Receive Either $30.50 In Cash Or 0.4040 Shares Of CZFS Stock

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Shares of banking and financial services companies are trading higher amid positive macro sentiment after the debt ceiling bill passed in the US Senate and strong US jobs data.

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