Skip to content
Screener

Citizens Financial Services, Inc. CZFS Business Segments — Revenue

Similar metrics at other companies

C&F Financial logo
CFFICommunity Banking — Revenue
$28.58M+15.6%
Northrim BanCorp logo
NRIMCommunity Banking — Revenue
$42.45M+8.1%
WesBanco logo
WSBCCommunity Banking — Revenue
$253.58M+110%
Hanmi Financial logo
HAFCBanking — Revenue
$72.21M+10.7%
Citigroup logo
CBanking — Revenue
$1.92B+34.0%
Peapack-Gladstone Financial logo
PGCBanking — Revenue
$68.22M+28.6%

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
P/S3.3×+0.7×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
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:Revenues.

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 — revenue?
Citizens Financial Services, Inc. (CZFS) reported business segments — revenue of $43.52M in Q2 2026.
How has Citizens Financial Services, Inc.'s business segments — revenue changed year-over-year?
Citizens Financial Services, Inc.'s business segments — revenue increased by 2.6% year-over-year, from $42.41M to $43.52M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — revenue?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — revenue has grown at a 23.1% compound annual growth rate (CAGR), from $93.1M to $173.51M.
What does business segments — revenue mean?
The total top-line revenue generated by the community banking segment, combining both interest and noninterest income streams. This figure provides a comprehensive view of the segment's overall market scale and business activity levels. It is essential for evaluating the segment's total contribution to the bank's consolidated financial performance.

Ask your AI about Citizens Financial Services, Inc.'s business segments — revenue.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude