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

Other product segments

Interchange Revenue
$813K+5.9%
Overdraft Fees
$377K+2.4%
Service Charges On Deposit Accounts Other
$93K-1.1%
Statement Fees
$79K+79.5%

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SPF
SPFIService Charges On Deposit Accounts
$2.37M+12.8%

Other financials

Income statement

See full
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$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
P/S3.3×+0.7×

Profitability

See full
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:ServiceChargesOnDepositAccounts.

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
Revenue streamThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Overdraft fees$377$368$770$727
Statement fees794416794
Interchange revenue8137681,5371,529
ATM income26295460
Other service charges9394184184
Total Service Charges1,3881,3032,7122,594
Trust200183435407
Brokerage and insurance6406271,2091,310

Cover / Front Matter

FAQ

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 $26K in Q2 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 10.3% year-over-year, from $29K to $26K.
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.

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