Citizens Financial Services Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
1analyst covering
FY EPS (est.)
$8.23next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 29 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly3.7%Target: Maintain above 3.60%
Efficiency Ratio Quarterly55.0%Target: Below 55.00%
Core Return on Average Assets (ROA) Quarterly0.0Target: Above 1.20%
Core Return on Average Tangible Common Equity (ROTCE) Quarterly0.2Target: Above 15.00%
Watch Items
- Non-Performing Assets (NPAs) / Total AssetsTrigger: Exceeding 1.50%Action: Conduct a comprehensive credit review of commercial real estate loan relationships and adjust provision for credit losses accordingly.
- Deposit Cost Pressures and Brokered Deposit MixTrigger: Brokered deposits exceeding 10% of total depositsAction: Re-evaluate local deposit pricing strategies and municipal deposit seasonal trends to optimize funding mix.
Research as of 20 Jun 2026