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Citizens Financial Services, Inc. CZFS Business Segments — Labor And Related Expense

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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:LaborAndRelatedExpense.

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
Segment net interest income and non-interest income29,70827,31359,51153,742
Less:
Provision for credit losses5007501,0001,375
Salaries and employee benefits10,2729,97620,54820,265
Occupancy1,2891,1822,7012,538
Other segment expenses5,3064,98910,2199,772
Income Taxes2,1541,9534,4803,708
Segment net income/consolidated net income$10,187$8,463$20,563$16,084

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s business segments — labor and related expense?
Citizens Financial Services, Inc. (CZFS) reported business segments — labor and related expense of $10.27M in Q2 2026.
How has Citizens Financial Services, Inc.'s business segments — labor and related expense changed year-over-year?
Citizens Financial Services, Inc.'s business segments — labor and related expense increased by 3.0% year-over-year, from $9.98M to $10.27M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — labor and related expense?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — labor and related expense has grown at a 12.3% compound annual growth rate (CAGR), from $27.84M to $39.4M.
What does business segments — labor and related expense mean?
Includes all compensation, benefits, and related costs for personnel dedicated to the community banking segment. This metric is a primary driver of noninterest expense and reflects the human capital investment required to support banking operations. It is used to evaluate the segment's operational efficiency and productivity.

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