Citizens Financial Earnings Estimate

CZFS Stock  USD 61.30  0.85  1.41%   
The next projected EPS of Citizens Financial is estimated to be 1.54 with future projections ranging from a low of 1.604 to a high of 1.604. Citizens Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 5.91. Please be aware that the consensus of earnings estimates for Citizens Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
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Citizens Financial is projected to generate 1.54 in earnings per share on the 30th of June 2025. Citizens Financial earnings estimates show analyst consensus about projected Citizens Financial Services EPS (Earning Per Share). It derives the highest and the lowest estimates based on Citizens Financial's historical volatility. Many public companies, such as Citizens Financial, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm. By analyzing Citizens Financial's earnings estimates, investors can diagnose different trends across Citizens Financial's analyst sentiment over time as well as compare current estimates against different timeframes. At this time, Citizens Financial's Gross Profit is comparatively stable compared to the past year. Pretax Profit Margin is likely to gain to 0.23 in 2025, whereas Gross Profit Margin is likely to drop 0.49 in 2025. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Citizens Financial Earnings Estimation Breakdown

The calculation of Citizens Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Citizens Financial is estimated to be 1.54 with the future projection ranging from a low of 1.604 to a high of 1.604. Please be aware that this consensus of annual earnings estimates for Citizens Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
1.58
1.60
Lowest
Expected EPS
1.54
1.60
Highest

Citizens Financial Earnings Projection Consensus

Suppose the current estimates of Citizens Financial's value are higher than the current market price of the Citizens Financial stock. In this case, investors may conclude that Citizens Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Citizens Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 30th of June 2025Current EPS (TTM)
181.65%
1.58
1.54
5.91

Citizens Financial Earnings History

Earnings estimate consensus by Citizens Financial analysts from Wall Street is used by the market to judge Citizens Financial's stock performance. Investors also use these earnings estimates to evaluate and project the stock performance into the future in order to make their investment decisions. However, we recommend analyzing not only Citizens Financial's upcoming profit reports and earnings-per-share forecasts but also comparing them to our different valuation methods.

Citizens Financial Quarterly Gross Profit

25.8 Million

At this time, Citizens Financial's Retained Earnings are comparatively stable compared to the past year. Price Earnings Ratio is likely to gain to 12.98 in 2025, whereas Retained Earnings Total Equity is likely to drop slightly above 118.5 M in 2025. Net Income Applicable To Common Shares is likely to gain to about 35.1 M in 2025, whereas Common Stock Shares Outstanding is likely to drop slightly above 4.2 M in 2025.
Hype
Prediction
LowEstimatedHigh
58.8361.2863.73
Details
Intrinsic
Valuation
LowRealHigh
60.1062.5565.00
Details
Naive
Forecast
LowNextHigh
53.2455.6958.14
Details
1 Analysts
Consensus
LowTargetHigh
59.1565.0072.15
Details
Please note, it is not enough to conduct a financial or market analysis of a single entity such as Citizens Financial. Your research has to be compared to or analyzed against Citizens Financial's peers to derive any actionable benefits. When done correctly, Citizens Financial's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in Citizens Financial. Note that many institutional investors and large investment bankers can move markets due to the volume of Citizens assets they manage. They also follow analysts to some degree and often drive overall investor sentiments towards Citizens Financial. With so many stockholders watching consensus numbers, the difference between actual and projected earnings is one of the most critical factors driving Citizens Financial's stock price in the short term.

Citizens Financial Earnings per Share Projection vs Actual

Actual Earning per Share of Citizens Financial refers to what the company shows during its earnings calls or quarterly reports. The Expected EPS is what analysts covering Citizens Financial Services predict the company's earnings will be in the future. The higher the earnings per share of Citizens Financial, the better is its profitability. While calculating the Earning per Share, we use the weighted ratio, as the number of shares outstanding can change over time.

Citizens Financial Estimated Months Earnings per Share

For an investor who is primarily interested in generating an income out of investing in entities such as Citizens Financial, the EPS ratio can tell if the company is intending to increase its current dividend. Although EPS is an essential tool for investors, it should not be used in isolation. EPS of Citizens Financial should always be considered in relation to other companies to make a more educated investment decision.

Citizens Quarterly Analyst Estimates and Surprise Metrics

Earnings surprises can significantly impact Citizens Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
null
nullnullnullnull
2025-04-30
2025-03-311.481.580.1
2025-01-30
2024-12-311.521.660.14
2024-10-30
2024-09-301.371.570.214 
2024-07-30
2024-06-301.31.29-0.01
2024-04-25
2024-03-311.521.46-0.06
2024-01-30
2023-12-311.591.57-0.02
2023-10-23
2023-09-301.541.640.1
2023-07-31
2023-06-30-0.021.51.527600 
2023-04-27
2023-03-311.81.73-0.07
2023-01-30
2022-12-311.81.930.13
2022-10-24
2022-09-301.831.840.01
2022-07-21
2022-06-301.691.690.0
2022-04-20
2022-03-311.671.64-0.03
2022-01-21
2021-12-311.731.69-0.04
2021-10-22
2021-09-301.671.720.05
2021-07-23
2021-06-301.671.62-0.05
2021-04-23
2021-03-311.571.780.2113 
2021-01-25
2020-12-311.751.760.01
2020-10-23
2020-09-301.71.940.2414 
2020-07-27
2020-06-300.821.320.560 
2020-04-24
2020-03-3111.310.3131 
2020-01-23
2019-12-311.321.390.07
2019-10-23
2019-09-301.311.450.1410 
2019-07-23
2019-06-301.171.30.1311 
2019-04-25
2019-03-311.261.18-0.08
2019-01-25
2018-12-311.231.2-0.03
2018-10-23
2018-09-301.21.220.02
2018-07-25
2018-06-301.111.250.1412 
2018-04-27
2018-03-311.061.130.07
2018-01-31
2017-12-310.561.10.5496 
2017-10-26
2017-09-300.950.970.02
2017-07-25
2017-06-301.020.961-0.059

About Citizens Financial Earnings Estimate

The earnings estimate module is a useful tool to check what professional financial analysts are assuming about the future of Citizens Financial earnings. We show available consensus EPS estimates for the upcoming years and quarters. Investors can also examine how these consensus opinions have evolved historically. We show current Citizens Financial estimates, future projections, as well as estimates 1, 2, and three years ago. Investors can search for a specific entity to conduct investment planning and build diversified portfolios. Please note, earnings estimates provided by Macroaxis are the average expectations of expert analysts that we track. If a given stock such as Citizens Financial fails to match professional earnings estimates, it usually performs purely. Wall Street refers to that as a 'negative surprise.' If a company 'beats' future estimates, it's usually called an 'upside surprise.'
Please read more on our stock advisor page.
Last ReportedProjected for Next Year
Retained Earnings189.4 M198.9 M
Retained Earnings Total Equity189.7 M118.5 M
Earnings Yield 0.09  0.07 
Price Earnings Ratio 10.70  12.98 
Price Earnings To Growth Ratio 0.23  0.22 

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Additional Tools for Citizens Stock Analysis

When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.