Citizens Financial Services reports Q4 EPS $1.68 vs. $1.59 last year
Tax Effected Net Interest Margin: The tax effected net interest margin for Q4 2024 was 3.26%, an increase from 3.13% in the same quarter of the previous year.
Average Yield on Interest Earning Assets: This improvement was driven by a rise in the average yield on interest earning assets, which increased by 16 basis points to 5.65%.
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Citizens Financial Services Reports Strong Q4 Earnings
- Earnings Performance: Citizens Financial Services reported a GAAP EPS of $2.18 for Q4, demonstrating stability in profitability, which continues to attract investor interest despite underperformance in share price.
- Revenue Growth: The company achieved total revenue of $29.6 million in Q4, reflecting its sustained competitiveness in the market, maintaining a solid revenue level despite market fluctuations.
- Investment Appeal: Despite the lackluster share price performance, Seeking Alpha's quantitative rating still considers Citizens Financial Services compelling, indicating market confidence in its future growth potential.
- Dividend Stability: The dividend scorecard for Citizens Financial Services highlights its stability in dividend payments, further bolstering investor confidence, especially in the current economic climate.
Citizens Financial Services Reports Strong 2025 Financial Results
- Net Income Growth: Citizens Financial Services reported a net income of $10.483 million for 2025, a 31.4% increase from $7.983 million in 2024, indicating strong performance amid economic recovery and boosting investor confidence.
- Earnings Per Share Increase: Basic earnings per share rose to $2.19 from $1.66 in 2024, reflecting a 31.9% improvement in profitability, which is expected to attract more investor interest.
- Dividend Increase: The Board declared a cash dividend of $0.50 per share on December 2, 2025, marking a 3.1% increase from the previous year, demonstrating the company's commitment to shareholder returns and enhancing market confidence in its stability.
- Asset Quality Improvement: Total non-performing assets stood at $29.189 million, slightly up from $28.612 million in 2024, but the allowance for credit losses ratio remained at 0.97%, indicating robust risk management practices within the company.
Daily Upgrade Report for Validea Martin Zweig Strategy - November 1, 2025
Tradeweb Markets Inc. Rating: Tradeweb Markets Inc. (TW) received an upgrade in its rating from 69% to 85% based on its strong fundamentals and valuation, indicating significant interest from the investment strategy of Martin Zweig.
Timberland Bancorp Inc. Rating: Timberland Bancorp Inc. (TSBK) also saw its rating increase from 77% to 85%, reflecting positive underlying fundamentals and valuation, suggesting it is a stock of interest according to Zweig's strategy.
Citizens Financial Services Inc. Rating: Citizens Financial Services Inc. (CZFS) experienced a similar upgrade in its rating from 77% to 85%, highlighting its strong fundamentals and valuation, which aligns with the criteria of Martin Zweig's investment approach.
About Martin Zweig and Validea: Martin Zweig's investment strategies have historically provided strong returns, and Validea offers research services based on the strategies of successful investors, including Zweig, to help guide investment decisions.
CITIZENS FINANCIAL SERVICES, INC. RELEASES UNAUDITED FINANCIAL RESULTS FOR THIRD QUARTER 2025
Financial Performance: Citizens Financial Services, Inc. reported a net income of $26.1 million for the first nine months of 2025, a 31.5% increase from the previous year, driven by higher net interest income and a decrease in the provision for credit losses.
Interest Income Growth: The net interest income before the provision for credit losses rose to $71.8 million, a 12.9% increase compared to the same period in 2024, attributed to increased investment income and reduced interest expenses.
Asset Quality Improvement: Non-performing assets decreased by 19.6% since December 31, 2024, totaling $22.99 million as of September 30, 2025, reflecting improved loan performance and recoveries.
Dividends and Equity: The company declared a cash dividend of $0.50 per share, marking a 3.1% increase from the previous year, while stockholders' equity rose to $327.7 million, up from $299.7 million at the end of 2024.
Top Strong Buy Stocks for September 8th
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including TAT Technologies Ltd., Citizens Financial Services, Inc., Agnico Eagle Mines Limited, Sterling Infrastructure, Inc., and T. Rowe Price Group, Inc., all of which have seen positive earnings estimate revisions over the past 60 days.
Semiconductor Market Growth: An under-the-radar semiconductor company is poised for growth, capitalizing on the increasing demand for Artificial Intelligence, Machine Learning, and Internet of Things, with the global semiconductor manufacturing market projected to grow significantly from $452 billion in 2021 to $971 billion by 2028.
Top Income Stocks to Consider Purchasing on September 8th
Top Stock Picks: Three stocks with strong income characteristics and buy rankings are highlighted: T. Rowe Price Group (TROW) with a 4.7% dividend yield, Citizens Financial Services (CZFS) at 3.2%, and Agnico Eagle Mines (AEM) with 1.1%.
Market Growth Potential: A semiconductor company is positioned for growth in the AI and IoT markets, with global semiconductor manufacturing expected to rise significantly from $452 billion in 2021 to $971 billion by 2028.
Citizens Financial Services Reports Strong Q4 Earnings
- Earnings Performance: Citizens Financial Services reported a GAAP EPS of $2.18 for Q4, demonstrating stability in profitability, which continues to attract investor interest despite underperformance in share price.
- Revenue Growth: The company achieved total revenue of $29.6 million in Q4, reflecting its sustained competitiveness in the market, maintaining a solid revenue level despite market fluctuations.
- Investment Appeal: Despite the lackluster share price performance, Seeking Alpha's quantitative rating still considers Citizens Financial Services compelling, indicating market confidence in its future growth potential.
- Dividend Stability: The dividend scorecard for Citizens Financial Services highlights its stability in dividend payments, further bolstering investor confidence, especially in the current economic climate.
Citizens Financial Services Reports Strong 2025 Financial Results
- Net Income Growth: Citizens Financial Services reported a net income of $10.483 million for 2025, a 31.4% increase from $7.983 million in 2024, indicating strong performance amid economic recovery and boosting investor confidence.
- Earnings Per Share Increase: Basic earnings per share rose to $2.19 from $1.66 in 2024, reflecting a 31.9% improvement in profitability, which is expected to attract more investor interest.
- Dividend Increase: The Board declared a cash dividend of $0.50 per share on December 2, 2025, marking a 3.1% increase from the previous year, demonstrating the company's commitment to shareholder returns and enhancing market confidence in its stability.
- Asset Quality Improvement: Total non-performing assets stood at $29.189 million, slightly up from $28.612 million in 2024, but the allowance for credit losses ratio remained at 0.97%, indicating robust risk management practices within the company.
Daily Upgrade Report for Validea Martin Zweig Strategy - November 1, 2025
Tradeweb Markets Inc. Rating: Tradeweb Markets Inc. (TW) received an upgrade in its rating from 69% to 85% based on its strong fundamentals and valuation, indicating significant interest from the investment strategy of Martin Zweig.
Timberland Bancorp Inc. Rating: Timberland Bancorp Inc. (TSBK) also saw its rating increase from 77% to 85%, reflecting positive underlying fundamentals and valuation, suggesting it is a stock of interest according to Zweig's strategy.
Citizens Financial Services Inc. Rating: Citizens Financial Services Inc. (CZFS) experienced a similar upgrade in its rating from 77% to 85%, highlighting its strong fundamentals and valuation, which aligns with the criteria of Martin Zweig's investment approach.
About Martin Zweig and Validea: Martin Zweig's investment strategies have historically provided strong returns, and Validea offers research services based on the strategies of successful investors, including Zweig, to help guide investment decisions.
CITIZENS FINANCIAL SERVICES, INC. RELEASES UNAUDITED FINANCIAL RESULTS FOR THIRD QUARTER 2025
Financial Performance: Citizens Financial Services, Inc. reported a net income of $26.1 million for the first nine months of 2025, a 31.5% increase from the previous year, driven by higher net interest income and a decrease in the provision for credit losses.
Interest Income Growth: The net interest income before the provision for credit losses rose to $71.8 million, a 12.9% increase compared to the same period in 2024, attributed to increased investment income and reduced interest expenses.
Asset Quality Improvement: Non-performing assets decreased by 19.6% since December 31, 2024, totaling $22.99 million as of September 30, 2025, reflecting improved loan performance and recoveries.
Dividends and Equity: The company declared a cash dividend of $0.50 per share, marking a 3.1% increase from the previous year, while stockholders' equity rose to $327.7 million, up from $299.7 million at the end of 2024.
Top Strong Buy Stocks for September 8th
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including TAT Technologies Ltd., Citizens Financial Services, Inc., Agnico Eagle Mines Limited, Sterling Infrastructure, Inc., and T. Rowe Price Group, Inc., all of which have seen positive earnings estimate revisions over the past 60 days.
Semiconductor Market Growth: An under-the-radar semiconductor company is poised for growth, capitalizing on the increasing demand for Artificial Intelligence, Machine Learning, and Internet of Things, with the global semiconductor manufacturing market projected to grow significantly from $452 billion in 2021 to $971 billion by 2028.
Top Income Stocks to Consider Purchasing on September 8th
Top Stock Picks: Three stocks with strong income characteristics and buy rankings are highlighted: T. Rowe Price Group (TROW) with a 4.7% dividend yield, Citizens Financial Services (CZFS) at 3.2%, and Agnico Eagle Mines (AEM) with 1.1%.
Market Growth Potential: A semiconductor company is positioned for growth in the AI and IoT markets, with global semiconductor manufacturing expected to rise significantly from $452 billion in 2021 to $971 billion by 2028.
