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Accounts Receivable at other companies

SB Financial Group logo
SB Financial GroupSBFG
$1.17B+8.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$1.75B+7.9%
Community Financial System logo
Community Financial SystemCBU
$40.3M+7.8%
Financial Institutions logo
Financial InstitutionsFISI
$4.63B+1.6%

Other financials

Income statement

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Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

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Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$386.71M+44.7%
Enterprise value$741.31M+39.6%
P/E9.4×+1.0×
P/S3.3×+0.7×

Profitability

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Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableGross.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479
Line itemJune 30, 2026December 31, 2025
Construction93,24193,965
Consumer39,62388,210
Other commercial loans180,997179,166
Other agricultural loans29,74630,247
State and political subdivision loans88,46852,100
Total2,395,0282,350,622
Allowance for credit losses - loans(23,559)(22,806)
Net loans$2,371,469$2,327,816

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s accounts receivable?
Citizens Financial Services, Inc. (CZFS) reported accounts receivable of $2.4B in Q2 2026.
How has Citizens Financial Services, Inc.'s accounts receivable changed year-over-year?
Citizens Financial Services, Inc.'s accounts receivable increased by 6.8% year-over-year, from $2.24B to $2.4B.
What is the long-term trend for Citizens Financial Services, Inc.'s accounts receivable?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s accounts receivable has grown at a 192.1% compound annual growth rate (CAGR), from $11.05M to $2.35B.
What does accounts receivable mean?
Amounts owed by customers for goods delivered or services performed, net of allowances for doubtful accounts. A key working capital component.

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