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Citizens Financial Services, Inc. CZFS Business Segments — Net Income Loss

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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$386.71M+44.7%
Enterprise value$741.31M+39.6%
P/E9.4×+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:NetIncomeLoss.

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
CITIZENS FINANCIAL SERVICES, INC. / CONSOLIDATED STATEMENT OF INCOME / (UNAUDITED) / (in thousands, except share and per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
TOTAL NON-INTEREST EXPENSES16,86716,14733,46832,575
Income before provision for income taxes12,34110,41625,04319,792
Provision for income taxes2,1541,9534,4803,708
NET INCOME$10,187$8,463$20,563$16,084
PER COMMON SHARE DATA:
Net Income - Basic$2.12$1.76$4.29$3.35
Net Income - Diluted$2.12$1.76$4.28$3.35
Number of shares used in computation - basic4,797,9404,797,7164,798,1044,797,642

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s business segments — net income loss?
Citizens Financial Services, Inc. (CZFS) reported business segments — net income loss of $10.19M in Q2 2026.
How has Citizens Financial Services, Inc.'s business segments — net income loss changed year-over-year?
Citizens Financial Services, Inc.'s business segments — net income loss increased by 20.4% year-over-year, from $8.46M to $10.19M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — net income loss?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — net income loss has grown at a 8.0% compound annual growth rate (CAGR), from $29.06M to $36.57M.
What does business segments — net income loss mean?
This metric represents the total profit or loss generated by the community banking segment after accounting for all operating revenues, interest expenses, provision for loan losses, and applicable taxes. It serves as a primary indicator of the segment's operational efficiency and its ability to contribute to the overall profitability of the financial institution. By isolating this segment, investors can evaluate the performance of core banking activities such as deposit gathering and lending services independent of corporate-level overhead.

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