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Citizens Financial Services, Inc. CZFS Interest Bearing Time Deposits With Other Banks

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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+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
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 czfs:InterestBearingTimeDepositsWithOtherBanks.

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
CITIZENS FINANCIAL SERVICES, INC. / CONSOLIDATED BALANCE SHEET / (UNAUDITED) / (in thousands, except share data)June 30, 2026December 31, 2025
Noninterest-bearing$30,343$23,933
Interest-bearing9,08610,358
Total cash and cash equivalents39,42934,291
Interest bearing time deposits with other banks3,3243,820
Equity securities1,9301,815
Available-for-sale securities491,311444,741
Loans held for sale10,3699,393
Loans (net of allowance for credit losses: 2026, $23,559 and 2025, $22,806)2,371,4692,327,816

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s interest bearing time deposits with other banks?
Citizens Financial Services, Inc. (CZFS) reported interest bearing time deposits with other banks of $3.32M in Q2 2026.
How has Citizens Financial Services, Inc.'s interest bearing time deposits with other banks changed year-over-year?
Citizens Financial Services, Inc.'s interest bearing time deposits with other banks decreased by 13.0% year-over-year, from $3.82M to $3.32M.
What is the long-term trend for Citizens Financial Services, Inc.'s interest bearing time deposits with other banks?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s interest bearing time deposits with other banks has grown at a -22.6% compound annual growth rate (CAGR), from $13.76M to $3.82M.
What does interest bearing time deposits with other banks mean?
Interest Bearing Time Deposits With Other Banks as reported by Citizens Financial Services, Inc. Common Stock.

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