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During the past 12 months, Citizens Financial Services's average EPS without NRIGrowth Rate was 30.10% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 2.10% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 0.10% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 8.20% per year.
During the past 13 years, Citizens Financial Services's highest 3-Year average EPS without NRI Growth Rate was 23.30% per year. The lowest was -5.70% per year. And the median was 9.45% per year.
Citizens Financial Services (NAS:CZFS) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Citizens Financial Services Earnings per Share (Diluted) Related Terms
Citizens Financial Services Earnings per Share (Diluted) Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Services Earnings per Share (Diluted) Chart
CZFS vs NWFL, WSBF, AVBH: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Citizens Financial Services's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Services PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's PE Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's PE Ratio falls into.
Citizens Financial Services Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Citizens Financial Services's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.55
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $8.55 mean?
Citizens Financial Services (CZFS) has a Earnings per Share (Diluted) of $8.55 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Citizens Financial Services and its competitors. According to the industry distribution chart, Citizens Financial Services ranks #935 out of 1409 companies in the Banks industry, placing it in the top 66.4%.
Is Citizens Financial Services' Earnings per Share (Diluted) too high?
Citizens Financial Services' current Earnings per Share (Diluted) is $8.55. The Banks industry median Earnings per Share (Diluted) is 7.50. Citizens Financial Services' value of $8.55 is 14% above this industry median. Based on the distribution chart, Citizens Financial Services ranks #935 out of 1409 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Earnings per Share (Diluted) compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #935 out of 1409 companies for Earnings per Share (Diluted). This places Citizens Financial Services in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. Citizens Financial Services' value of $8.55 is 14% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Earnings per Share (Diluted) of $8.55 is 14% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Earnings per Share (Diluted) is $8.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Earnings per Share (Diluted) is $8.55 and 14% above the Banks industry median of 7.50. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Earnings per Share (Diluted) is $8.55 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Services (CZFS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued.
The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15.
GuruFocus considers Citizens Financial Services to be Modestly Overvalued.
Key valuation signals for CZFS:
Earnings per Share (Diluted): $8.55
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 14% above the Banks median (#935 of 1409)
No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score
Get the complete analysis for CZFS
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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