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Citizens Financial Services, Inc. CZFS Business Segments — Interest And Dividend Income Operating

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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$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+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:InterestAndDividendIncomeOperating.

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 itemCommunity Banking / Three months ended / June 30, 2026Community Banking / Three months ended / June 30, 2025Community Banking / Six months ended / June 30, 2026Community Banking / Six months ended / June 30, 2025
Total Interest and Dividend Income$39,505$38,749$79,782$77,763
Total non-interest income4,0143,6657,7047,092
Total Consolidated Revenues43,51942,41487,48684,855
Less:
Interest Expense13,81115,10127,97531,113
Segment net interest income and non-interest income29,70827,31359,51153,742
Less:
Provision for credit losses5007501,0001,375

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s business segments — interest and dividend income operating?
Citizens Financial Services, Inc. (CZFS) reported business segments — interest and dividend income operating of $39.51M in Q2 2026.
How has Citizens Financial Services, Inc.'s business segments — interest and dividend income operating changed year-over-year?
Citizens Financial Services, Inc.'s business segments — interest and dividend income operating increased by 2.0% year-over-year, from $38.75M to $39.51M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — interest and dividend income operating?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — interest and dividend income operating has grown at a 24.1% compound annual growth rate (CAGR), from $83.36M to $159.17M.
What does business segments — interest and dividend income operating mean?
Represents the total interest and dividend income generated from the community banking segment's lending and investment activities. This metric reflects the core revenue-generating capacity of the bank's loan portfolio and interest-earning assets. It is a primary indicator of the segment's ability to monetize its capital base through traditional banking services.

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