NASDAQ$CZFS

Citizens Financial Services Inc · Q2 2020 earnings

Q2 2020 earnings · · Investor relations

Briefing

Citizens Financial Services reported an increase in net income for Q2 2020 compared to the same period in 2019.

Citizens Financial Services, Inc. reported a net income of $5.3 million for the three months ended June 30, 2020, a 10.2% increase compared to the corresponding period in 2019. The company's basic earnings per share rose to $1.39, up from $1.36 in the same period of the previous year. The results reflect the impact of the acquisition of MidCoast Community Bancorp, Inc. and the challenges posed by the COVID-19 pandemic.

  • Net income for Q2 2020 increased by 10.2% compared to Q2 2019, reaching $5.3 million.
  • Basic earnings per share increased to $1.39, compared to $1.36 in the same period last year.
  • The company completed the acquisition of MidCoast Community Bancorp, Inc. in Q2 2020.
  • COVID-19 pandemic impacted the provision for loan losses and customer service charges.

Headline financials

Total Revenue

$18.4M

Previous: $14.4M+27.8%
EPS (adj)

$1.37

Previous: $1.36+0.7%
ROA

1.3%

Previous: 1.3%-6.7%
ROE

12.3%

Previous: 13.1%-6.2%
ROTE

15.0%

Previous: 15.7%-4.7%
Net Interest Margin

4.2%

Previous: 3.7%+11.0%
Loan to Deposit Ratio

90.1%

No prior period
Free Cash Flow

$5.34M

Previous: $4.85M+10.2%
Net Income

$5.34M

Previous: $4.85M+10.2%
Operating Income

$13.7M

Previous: $10.4M+31.7%
Gross Profit

$18.4M

Previous: $14.4M+27.8%
Cash & Equivalents

$39M

Previous: $16.5M+137.0%
Total Assets

$1.8B

Previous: $1.45B+24.4%

Revenue & EPS history

Citizens Financial Services · Revenue · Quarterly

$18.4M

Q2 2020+27.8%vs Q2 2019
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Forward guidance

This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These statements are based on the Company's current expectations regarding its business strategies, intended results, and future performance. Readers are cautioned not to place undue reliance on these statements due to inherent risks and uncertainties.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2020

Historical avgQ2 2020

-0.0%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+1.4%

Avg return

30 days after

52%

33 / 64 earnings

Positive

+12.7%

Q4 2015

Best reaction

-12.2%

Q1 2014

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-3.9%-10.6%-3.3%
Q4 2025+3.6%+9.3%-2.9%
Q3 2025+2.5%+3.1%+4.3%
Q1 2025+3.1%+8.2%+7.8%
Q4 2024+1.2%+4.1%-0.0%
Q3 2024-2.5%-0.9%+18.1%
Q2 2024-0.8%-11.7%+5.7%
Q1 2024-9.3%-8.3%-4.8%
Q4 2023-5.6%-10.8%-24.6%
Q3 2023-1.7%+5.0%+27.5%
Q2 2023+1.0%-2.2%-22.7%
Q1 2023+0.4%+3.6%-10.1%
Q4 2022+1.0%+6.6%+7.9%
Q3 2022+2.8%+6.2%+11.8%
Q2 2022+2.9%+2.9%+15.4%
Q1 2022-0.8%+0.0%+8.7%
Q4 2021-0.8%-0.8%+2.4%
Q3 2021+0.0%+0.0%-3.7%
Q2 2021+0.0%-0.4%+0.8%
Q1 2021+2.6%+0.5%+4.3%
Q4 2020+1.3%+0.6%+3.1%
Q3 2020+0.0%+1.9%+4.5%
Q2 2020+0.0%+0.5%-3.4%
Q1 2020+0.3%+0.3%+10.2%
Q4 2019+1.4%-6.4%-9.9%
Q3 2019-0.8%-0.8%+0.8%
Q2 2019-0.4%-0.6%-0.0%
Q1 2019+3.0%-3.5%-5.3%
Q4 2018+0.0%+0.0%+3.8%
Q3 2018-2.0%+0.9%-0.7%
Q2 2018+1.3%+1.4%+0.1%
Q1 2018+0.7%+1.0%-0.3%
Q4 2017+0.2%-0.3%+1.0%
Q3 2017-2.9%-0.8%-0.8%
Q2 2017+0.5%+0.5%+0.9%
Q1 2017+8.2%+0.0%+3.3%
Q4 2016+1.2%+1.2%+1.4%
Q3 2016+8.6%+0.1%+4.9%
Q2 2016-1.5%-2.0%-2.4%
Q1 2016+0.5%
Q4 2015+12.7%
Q3 2015-7.6%
Q2 2015+0.0%
Q1 2015+0.0%
Q4 2014-7.6%
Q3 2014+1.4%
Q2 2014+9.3%
Q1 2014-12.2%
Q1 2013+0.0%
Q4 2013+0.0%
Q3 2013-8.4%
Q2 2013-2.1%
Q4 2012+0.0%
Q3 2012-10.5%
Q2 2012+2.4%
Q1 2012+9.3%
Q1 2011+1.1%
Q4 2011+1.1%
Q4 2009+1.1%
Q4 2010+1.1%
Q3 2010-8.5%
Q3 2011-8.5%
Q2 2011+3.9%
Q2 2010+3.9%

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