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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$29.7M+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+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
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:NoninterestIncome.

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
Total Interest and Dividend Income$39,505$38,749$79,782$77,763
Total non-interest income4,0143,6657,7047,092
Total Consolidated Revenues43,51942,41487,48684,855
Less:
Interest Expense13,81115,10127,97531,113
Segment net interest income and non-interest income29,70827,31359,51153,742
Less:
Provision for credit losses5007501,0001,375

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s business segments — noninterest income?
Citizens Financial Services, Inc. (CZFS) reported business segments — noninterest income of $4.01M in Q2 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 9.5% year-over-year, from $3.67M to $4.01M.
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.

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