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Citizens Financial Services, Inc. (CZFS) Earnings Call Transcripts

NASDAQ·Financial Services·Banks - Regional

$82.53

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Mkt Cap $294.15M

Apple Inc. logoCZFSSep 11, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Microsoft Corporation logoCZFSSep 10, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Alphabet Inc. logoCZFSSep 9, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Amazon.com, Inc. logoCZFSSep 8, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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NVIDIA Corporation logoCZFSSep 7, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Tesla, Inc. logoCZFSSep 6, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Meta Platforms, Inc. logoCZFSSep 5, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Netflix, Inc. logoCZFSSep 4, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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JPMorgan Chase & Co. logoCZFSSep 3, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Bank of America Corporation logoCZFSSep 2, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Visa Inc. logoCZFSSep 1, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Mastercard Incorporated logoCZFSAug 31, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Home Depot, Inc. logoCZFSAug 30, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Walmart Inc. logoCZFSAug 29, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Costco Wholesale Corporation logoCZFSAug 28, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Procter & Gamble Company logoCZFSAug 27, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Coca-Cola Company logoCZFSAug 26, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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PepsiCo, Inc. logoCZFSAug 25, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Exxon Mobil Corporation logoCZFSAug 24, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Chevron Corporation logoCZFSAug 23, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Pfizer Inc. logoCZFSAug 22, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Johnson & Johnson logoCZFSAug 21, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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UnitedHealth Group Incorporated logoCZFSAug 20, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Salesforce, Inc. logoCZFSAug 19, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Advanced Micro Devices, Inc. logoCZFSAug 18, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Intel Corporation logoCZFSAug 17, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Oracle Corporation logoCZFSAug 16, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Adobe Inc. logoCZFSAug 15, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Cisco Systems, Inc. logoCZFSAug 14, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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AT&T Inc. logoCZFSAug 12, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Verizon Communications Inc. logoCZFSAug 11, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Walt Disney Company logoCZFSAug 10, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Apple Inc. logoCZFSAug 9, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Microsoft Corporation logoCZFSAug 8, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Alphabet Inc. logoCZFSAug 7, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Amazon.com, Inc. logoCZFSAug 6, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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NVIDIA Corporation logoCZFSAug 5, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Tesla, Inc. logoCZFSAug 4, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Meta Platforms, Inc. logoCZFSAug 3, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Netflix, Inc. logoCZFSAug 2, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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JPMorgan Chase & Co. logoCZFSAug 1, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Bank of America Corporation logoCZFSJul 31, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Visa Inc. logoCZFSJul 30, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Mastercard Incorporated logoCZFSJul 29, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Home Depot, Inc. logoCZFSJul 28, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Walmart Inc. logoCZFSJul 27, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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Costco Wholesale Corporation logoCZFSJul 26, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Procter & Gamble Company logoCZFSJul 25, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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The Coca-Cola Company logoCZFSJul 24, 2026

Q3 2026

Operator: Good afternoon and welcome to today's earnings call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. Please be advised that today's conferenc...

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