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Citizens Financial Services, Inc. CZFS Business Segments — Noninterest Income

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Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:NoninterestIncome.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s business segments — noninterest income?
Citizens Financial Services, Inc. (CZFS) reported business segments — noninterest income of $3.69M in Q1 2026.
How has Citizens Financial Services, Inc.'s business segments — noninterest income changed year-over-year?
Citizens Financial Services, Inc.'s business segments — noninterest income increased by 7.7% year-over-year, from $3.43M to $3.69M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — noninterest income?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — noninterest income has grown at a 13.8% compound annual growth rate (CAGR), from $9.74M to $14.34M.
What does business segments — noninterest income mean?
Captures revenue earned by the community banking segment from sources other than interest, such as service charges, fees, and trust activities. This metric highlights the segment's ability to diversify its income streams beyond traditional lending. It serves as a key indicator of non-credit related service performance and customer engagement.