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

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Questions, answered.

What is Citizens Financial Services, Inc.'s business segments — net income loss?

Citizens Financial Services, Inc. (CZFS) reported business segments — net income loss of $10.38M in Q1 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 36.2% year-over-year, from $7.62M to $10.38M.

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.