CZFSNasdaqState Commercial Banks

Citizens Financial Services Inc (CZFS) earnings date, market-implied expected move, and options open interest by expiry

88.50

+1.20 · +1.37%

Regular session11:41 ET

Open87.48Volume55,584Mkt cap$419.9MP/E9.90EPS8.94Div yield2.31%

Day86.51 – 88.50100%52-wk51.56 – 88.20100%

CZFS

Citizens Financial Services Inc

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Jan 28

after close · in 84 days

est.Q4 FY26

Calendar

Next report

Last report

+0.53%

shaded = implied · ▲▼ = realized

Oct 30 '26 · confirmed

Implied vs realized

Largest filed tie

filed ties

13F top-10 QoQ

+6.58%

shares held · 10 largest managers

13F · Jun 30 '26128d lag

87 managers

Top fund weight

0.01%

CZFS weight · IWM

N-PORTJun 30 '26

3 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

Citizens Financial Services (CZFS) is expected to report on Jan 28 after close (estimated date).

Implied vs realized

8 reports

—≥ implied

Jan 30 '25Jan 30 '25confirmed—▼−2.28%—

Apr 30 '25Apr 30 '25confirmed—▼−1.00%—

Jul 30 '25Jul 30 '25confirmed—▲+0.36%—

Oct 30 '25Oct 30 '25confirmed—▲+1.21%—

Jan 29 '26Jan 29 '26confirmed—▲+2.30%—

Q1 FY26Apr 29 '26confirmed—▼−3.36%—

Q2 FY26Jul 30 '26confirmed—▼−1.14%—

Q3 FY26Oct 30 '26confirmed—▲+0.53%—

quarterimplied−5%0+5%realized×

Q3 FY26—▲+0.53%—

Q2 FY26—▼−1.14%

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

No open-interest data.

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ3 FY26

37.77%as filednet margin · revenue +6.25% QoQ · +8.87% YoY

Revenue$32M+6.25%

Pre-tax income$15M+17.83%

Net income$12M37.77%+17.02%

Tax$3M+21.63%

Source: SEC filings · standardized · QE Sep 30 '26 · bars = % of revenue

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 11:30 ET

Intraday

Event sensitivity

FOMC ×1.36· ±2.8% vs ±2.1% · 24 releases

eventrelease day|move|up · n×base

FOMCrate decision±2.8%9 of 24×1.36

NFPjobs report±1.9%5 of 10×0.91

PPIproducer prices±1.8%4 of 10×0.86

GDPgross domestic product±1.3%6 of 19×0.64

CPROFcorporate profits±1.2%5 of 12×0.56

PCEpersonal income & outlays±1.2%6 of 19×0.56

CPIconsumer prices±1.0%4 of 10×0.47

Bar = avg |move| to ±3% · tick = ±2.1% avg day · ×base = |move| ÷ ±2.1% · min 6 releases

Earnings history

EPS 2.48 · consensus —

Quarter	Reported	EPS	Consensus
Q3 FY26	Oct 30 '26 · confirmed	2.48	—
Q2 FY26	Jul 30 '26 · confirmed	2.12	—
Q1 FY26	Apr 29 '26 · confirmed	2.16	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod