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Citizens Financial Services, Inc. CZFS Automated Teller Machine Income — Service Charges On Deposit Accounts

Other product segments

Interchange Revenue
$724K-4.9%
Overdraft Fees
$393K+9.5%
Service Charges On Deposit Accounts Other
$91K+1.1%
Statement Fees
$88K+76.0%

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INDBATM Charge — Revenue from Contract with Customer, Excluding Assessed Tax
$1.09M+5.1%
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$4.38M+25.8%
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GSBCBanking — Point Of Sale Atm Fee Income And Service Charges
-$3.1M+4.1%
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$3.59M+5.1%
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IBCPATM fees — Revenue from contracts with customers
$343K-3.4%
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BANCService charges on deposit accounts — Service charges on deposit accounts
$4.98M+9.6%

Other financials

Income statement

See full
Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

See full
Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S3×+0.3×

Profitability

See full
Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

See full
Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

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

Tagged under the XBRL concept czfs:ServiceChargesOnDepositAccounts.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s automated teller machine income — service charges on deposit accounts?
Citizens Financial Services, Inc. (CZFS) reported automated teller machine income — service charges on deposit accounts of $28K in Q1 2026.
How has Citizens Financial Services, Inc.'s automated teller machine income — service charges on deposit accounts changed year-over-year?
Citizens Financial Services, Inc.'s automated teller machine income — service charges on deposit accounts decreased by 9.7% year-over-year, from $31K to $28K.
What is the long-term trend for Citizens Financial Services, Inc.'s automated teller machine income — service charges on deposit accounts?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s automated teller machine income — service charges on deposit accounts has grown at a -25.4% compound annual growth rate (CAGR), from $388K to $120K.
What does automated teller machine income — service charges on deposit accounts mean?
This metric represents the fee-based revenue generated from deposit account service charges specifically attributed to the automated teller machine (ATM) business segment. It reflects the income earned from customers for account maintenance, overdrafts, or transaction-related services processed through the bank's ATM network. Monitoring this figure helps assess the bank's ability to monetize its physical and digital self-service infrastructure through recurring deposit-related fees.