Citizens Financial Services
Runs a regional community bank across Pennsylvania, southern New York, Delaware, and New Jersey.
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Profile
Owns First Citizens Community Bank, a one-segment community bank built around deposits, lending, trust, investment, insurance, and mortgage services. Revenue is tied to loans, investments, and deposits across a regional footprint, with commercial and agricultural credit central to the loan book.
Owns and manages First Citizens Community Bank, a Pennsylvania-chartered bank and trust company. Products include checking, savings, time deposits, residential and commercial real estate loans, agricultural lending, construction and consumer loans, trust, investment, estate, insurance, cash management, and mortgage services.
Operates as one community-banking segment across north-central, central, south-central, and southeast Pennsylvania, nearby southern New York, Delaware, and Burlington County, New Jersey. The footprint grew through branch and bank acquisitions while remaining anchored in Mansfield.
Commercial real estate and agricultural credit shape the loan portfolio, and performance depends on conditions in those local markets. Holding-company cash available for dividends comes primarily from bank dividends and is subject to banking-law and regulatory limits.
Company facts
Categories
Key statistics
Year to date +45.4% · Average volume (30d) 37.2K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026Q2 FY26 | $1.98 | $2.12 | +7.1% | $29.3M | $29.7M | +1.4% | −1.14% |
| Apr 29, 2026Q1 FY26 | $1.98 | $2.16 | +9.1% | $29.1M | $29.8M | +2.4% | −2.76% |
| Jan 30, 2026Q4 FY25 | $2.07 | $2.18 | +5.3% | $29.4M | $29.6M | +0.7% | +3.34% |
| Oct 30, 2025Q3 FY25 | $1.76 | $2.09 | +18.7% | — | $44.1M | — | +1.00% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $42.4M | $42.4M | $44.1M | $44.5M | $43.8M | $43.5M | |
| Gross profit | $25.8M | $26.6M | $28.5M | $29.0M | $29.1M | $29.2M | |
| Operating income | $9.4M | $10.4M | $12.4M | $12.9M | $12.7M | $12.3M | |
| Net income | $7.6M | $8.5M | $10.0M | $10.5M | $10.4M | $10.2M | |
| Diluted EPS | $1.58 | $1.76 | $2.09 | $2.18 | $2.16 | $2.12 | |
| Gross margin | 60.8% | 62.6% | 64.6% | 65.3% | 66.5% | 67.1% | |
| Operating margin | 22.1% | 24.6% | 28.0% | 29.1% | 29.0% | 28.4% |
Fiscal years (4-quarter sums)FY21 $85.5M · FY22 $93.1M · FY23 $138.7M · FY24 $168.6M · FY25 $173.4M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $530.7M · Total debt $394.0M · Total assets $3.19B · Shareholders' equity $352.8M
Dividends
Raised for 4 straight years — most recently to $0.51 from $0.50 in Jun 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 12, 2026 | Jun 12 | Jun 26 | $0.51 | raised from $0.50 |
| Mar 13, 2026 | Mar 13 | Mar 27 | $0.50 | |
| Dec 12, 2025 | Dec 12 | Dec 26 | $0.50 | |
| Sep 12, 2025 | Sep 12 | Sep 26 | $0.50 | raised from $0.495 |
| Jun 13, 2025 | Jun 13 | Jun 27 | $0.495 | |
| Mar 14, 2025 | Mar 14 | Mar 28 | $0.495 | raised from $0.49 |
| Dec 13, 2024 | Dec 13 | Dec 27 | $0.49 | |
| Sep 13, 2024 | Sep 13 | Sep 27 | $0.49 | raised from $0.4852 |
Ownership
Shares outstanding 4.80M · Float 4.50M · 93.6% free float
Insiders — no current Form 4 position.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 354.6K | 7.38% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 200.8K | 4.18% | 13F | Aug 13, 2026 |
| Geode Capital Management, LLC | 119.8K | 2.49% | 13F | Aug 12, 2026 |
| Citizens & Northern Corp | 117.1K | 2.44% | 13F | Jul 17, 2026 |
| State Street Corp | 92.8K | 1.93% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 5, 2026 | John P. II Painter | director | +160 | $80.52 |
| Jul 9, 2026 | LeeAnn Gephart | officer: EXECUTIVE VICE PRESIDENT | −15 | $71.52 |
| Jun 25, 2026 | LeeAnn Gephart | officer: EXECUTIVE VICE PRESIDENT | −29 | $66.52 |
| May 29, 2026 | Stephen J. Guillaume | officer: SENIOR VICE PRESIDENT | +34 | $61.78 |
| May 28, 2026 | LeeAnn Gephart | officer: EXECUTIVE VICE PRESIDENT | −24 | $64.78 |
Peers
- Citizens & Northern
Closest rural PA/NY peer in banking, wealth, and insurance
- Northwest Bancshares
Larger PA-based branch bank competing for loans and deposits
- Chemung Financial
Southern Tier NY/PA community-bank and trust peer
- S&T Bancorp
PA commercial bank peer in loans, deposits, wealth, and insurance
- Fulton Financial
Mid-Atlantic bank across PA, DE, NJ, and nearby states
- WSFS Bank
Delaware and Greater Philadelphia banking and wealth rival
- Univest Financial
Southeastern PA bank with wealth and insurance overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens Financial Services | $80.98 | +0.05% | $389.1M | 9.5 | 9.2 | 2.2 | −30.0% |
| Citizens & Northern | $25.54 | +0.04% | $457.6M | 17.3 | 9.5 | 2.8 | +46.4% |
| Northwest Bancshares | $15.34 | 0.00% | $2.25B | 14.9 | 10.9 | 2.7 | +21.2% |
| Chemung Financial | $81.60 | +0.41% | $393.3M | 11.8 | 10.5 | 2.8 | +39.6% |
| S&T Bancorp | $49.79 | −0.02% | $1.76B | 13.3 | 12.6 | 3.1 | +5.2% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| WSFS Bank | $78.30 | +0.03% | $4.08B | 13.1 | 11.9 | 3.0 | +5.6% |
| Univest Financial | $41.57 | +0.10% | $1.15B | 12.0 | 10.7 | 2.2 | +4.1% |
| Median | 13.1 | 10.7 | 2.8 | +13.5% |