Citizens Financial Services Inc (CZFS) Growth Rates Comparisons to Regional Banks Industry, Sector, Market. Sales, Income, EPS
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Citizens Financial Services Inc   (NASDAQ: CZFS)
    Sector • Financial    Industry • Regional Banks
   Industry • Regional Banks
   Sector • Financial
 

Citizens Financial Services Inc Growth Comparisons

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CZFS Revenue Growth Rate Comparisons Company Industry Sector S&P 500
Y / Y Revenue Growth (Q2 MRQ) 9.96 % 16.64 % 8.92 % 10.9 %
Q / Q Revenue Growth (Q2 MRQ) -0.32 % -0 % -2.27 % 8.32 %
Y / Y Revenue Growth (for 12 months ending Q2 TTM) -38.59 % 13.65 % 10.29 % %
Sequential Revenue Growth (for 12 months ending Q2 TTM) 4.34 % 3.81 % 2.11 % 2.61 %
Revenue 5 Year Average Growth -32.63 % -2.83 % 12.93 % 10.59 %


CZFS's Growth Comparisons in II. Quarter 2026




Comparing 9.96% year on year top-line growth in the second quarter 2026, Citizens Financial Services Inc grew on the lower pace than the 16.64% rise in the Regional Banks industry, but beating the 8.92% growth in the Financial sector. Comparing the second quarter revenue, Citizens Financial Services Inc was trailing overall market not just the Regional Banks industry.

Top-line fell by -0.32% from the first quarter. Average annual revenue growth for Citizens Financial Services Inc is -32.63%, while S & P 500's average yearly revenue increase is 10.59%, including only Businesses with the second quarter 2026 financial results.

CZFS Growth Rates by Company's Segments

Segment Name
Y / Y
Sequential
Community Banking
106.27 %
98.98 %
Total
9.96 %
-0.32 %


Growth Rates of CZFS's Income in the second quarter 2026


CZFS Operating Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Operating Income Change (Q2 MRQ) - 38.44 % 11.91 % 97.6 %
Sequential Operating Income Change (Q2 MRQ) - -5.49 % -22.79 % 48.13 %
Y / Y Operating Income Growth (Q2 TTM) -67.17 % 23.97 % 20.86 % 40.67 %
Sequential Operating Income Growth (Q2 TTM) -45.06 % 6.85 % 4.66 % 20.86 %
Operating Income 5 Year Avg. Change - -14.7 % 13.77 % 18.76 %


Income from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Income from Cont. Ops. Change (Q2 MRQ) 20.37 % 34.88 % 13.89 % 90.69 %
Sequential Income from Cont. Ops. Change (Q2 MRQ) -1.82 % -16.95 % -28.54 % 27.07 %
Y / Y Income from Cont. Ops. Change (Q2 TTM) 29.9 % 24.88 % 12.55 % 57.33 %
Sequential Income from Cont. Ops. Change (Q2 TTM) 4.38 % 6.7 % 3.01 % 18.65 %
Income from Cont. Ops. 5 Year Avg. Change 7.82 % 13.93 % 14.45 % -28.52 %

CZFS Net Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Net Income Growth (Q2 MRQ) 20.37 % 34.88 % 14.19 % 90.69 %
Q / Q Net Income Growth (Q2 MRQ) -1.82 % -5.23 % -1.44 % 27.07 %
Y / Y Net Income Change (Q2 TTM) 29.95 % 22.78 % 9.51 % 57.33 %
Sequential Net Income Change (Q2 TTM) 4.38 % 6.97 % 3.19 % 18.65 %
Net Income 5 Year Avg. Growth 7.82 % 7.16 % 13.79 % 22.96 %

CZFS's EPS Growth Rates


EPS from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS from Cont. Ops. Change (Q2 MRQ) 20.45 % 28.22 % 13.89 % 90.69 %
Sequential EPS from Cont. Ops. Change (Q2 MRQ) -1.85 % -19.3 % -28.54 % 27.07 %
Y / Y EPS from Cont. Ops. Change (Q2 TTM) 30.09 % 52.16 % - -
Sequential EPS from Cont. Ops. Change (Q2 TTM) 4.39 % 20.86 % - 4.88 %
EPS from Cont. Ops. 5 Year Avg. Growth 3.77 % 10.24 % 14.45 % -28.52 %



CZFS EPS Net Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS Net Growth (Q2 MRQ) 20.45 % 28.22 % 14.19 % -28.52 %
Q / Q EPS Net Growth (Q2 MRQ) -1.85 % -7.91 % -1.44 % 27.07 %
Y / Y EPS Net Change (for 12 months ending Q2 TTM) - 52.67 % -99.78 % 7.62 %
Sequential EPS Net Change (for 12 months ending Q2 TTM) 4.4 % 21.08 % - 4.93 %
EPS Net 5 Year Avg. Change 3.77 % 7.16 % 13.79 % 22.96 %



With 20.45% year on year EPS increase in the second quarter 2026, Citizens Financial Services Inc grew less than the 28.22% improvement in the Regional Banks industry, but beating the 14.19% improvement in the Financial sector. Slow second quarter 2026 income per share, in Regional Banks industry and Financial sector, were portrayed in Citizens Financial Services Inc results which underperformed overall market.

the bottom-line fell by -1.85% from the first quarter. Average annual income per share growth for Citizens Financial Services Inc is 3.77%, while S & P 500's average yearly income per share increase is 22.96%, including only Businesses with the second quarter 2026 earnings.

CZFS Cash Flow Growth Rates


Free Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Free Cash Flow Change (Q2 MRQ) - - - 48.62 %
Sequential Free Cash Flow Change (Q2 MRQ) - - - 34.18 %
Y / Y Free Cash Flow Change (Q2 TTM) -3.61 % 63.45 % 203.27 % 60.27 %
Sequential Free Cash Flow Change (Q2 TTM) -14.58 % -34.16 % 70.68 % 15.75 %
Free Cash Flow 5 Year Avg. Change 26.5 % -6.13 % -6.66 % 8.28 %

Net Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Net Cash Flow Change (Q2 MRQ) - 30.73 % - 339.02 %
Sequential Net Cash Flow Change (Q2 MRQ) - - - 216.68 %
Y / Y Net Cash Flow Change (Q2 TTM) - -85.48 % - 209.43 %
Sequential Net Cash Flow Change (Q2 TTM) - 193.26 % 975.85 % 152.64 %
Net Cash Flow 5 Year Avg. Change - 18.55 % 3.6 % 1.06 %

Capital Expenditures Company Industry Sector S&P 500
Y / Y Capital Expenditures Change (Q2 MRQ) -42.02 % 46.04 % -2.56 % 120.03 %
Sequential Capital Expenditures Change (Q2 MRQ) 129.6 % -7.54 % -47.73 % 36.87 %
Y / Y Capital Expenditures Change (Q2 TTM) -77.52 % 13.02 % -1.04 % 109.38 %
Sequential Capital Expenditures Change (Q2 TTM) -24.88 % 5.44 % 3.75 % 23.05 %
Capital Expenditures 5 Year Avg. Change 6.59 % 14.77 % 6.01 % 14.73 %

Note
To view Detail Information & Trends click on Individual Category.
To see Industry, Sector or S&P 500 Performance, click on each Category respectivly, on the top of the Table.

For explanation of terms visit: Glossary
 


• Revenue Y/Y
• Op. Income Y/Y
• Cop. Income Y/Y
• Net Income Y/Y
• Eps Cop. Y/Y
• Eps Net Y/Y
• Free Cash Flow Y/Y
• Cash Flow Y/Y
• Capex Y/Y
• Y/Y Annual




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