Citizens Financial Services, Inc. CZFS Business Segments — Interest Expense Operating

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Questions, answered.

What is Citizens Financial Services, Inc.'s business segments — interest expense operating?

Citizens Financial Services, Inc. (CZFS) reported business segments — interest expense operating of $14.16M in Q1 2026.

How has Citizens Financial Services, Inc.'s business segments — interest expense operating changed year-over-year?

Citizens Financial Services, Inc.'s business segments — interest expense operating decreased by 11.5% year-over-year, from $16.01M to $14.16M.

What is the long-term trend for Citizens Financial Services, Inc.'s business segments — interest expense operating?

Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — interest expense operating has grown at a 76.0% compound annual growth rate (CAGR), from $11.22M to $61.17M.

What does business segments — interest expense operating mean?

Measures the costs incurred by the community banking segment to fund its operations, primarily through interest paid on deposits and other borrowings. This metric is critical for assessing the segment's cost of funds and its sensitivity to interest rate fluctuations. Managing this expense is vital for maintaining healthy net interest margins.