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Citizens Financial Services, Inc. CZFS Business Segments — Occupancy Net

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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:OccupancyNet.

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 — occupancy net?
Citizens Financial Services, Inc. (CZFS) reported business segments — occupancy net of $1.41M in Q1 2026.
How has Citizens Financial Services, Inc.'s business segments — occupancy net changed year-over-year?
Citizens Financial Services, Inc.'s business segments — occupancy net increased by 4.1% year-over-year, from $1.36M to $1.41M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — occupancy net?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — occupancy net has grown at a 19.1% compound annual growth rate (CAGR), from $3.14M to $5.3M.
What does business segments — occupancy net mean?
Represents the net costs associated with maintaining physical branch locations and office facilities for the community banking segment. This includes rent, utilities, maintenance, and depreciation of property. It serves as a measure of the segment's physical footprint and the associated overhead costs of providing in-person banking services.