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Citizens Financial Services, Inc. CZFS Business Segments — Segment Reporting Other Item Amount

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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$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
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:SegmentReportingOtherItemAmount.

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
Segment net interest income and non-interest income29,70827,31359,51153,742
Less:
Provision for credit losses5007501,0001,375
Salaries and employee benefits10,2729,97620,54820,265
Occupancy1,2891,1822,7012,538
Other segment expenses5,3064,98910,2199,772
Income Taxes2,1541,9534,4803,708
Segment net income/consolidated net income$10,187$8,463$20,563$16,084

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s business segments — segment reporting other item amount?
Citizens Financial Services, Inc. (CZFS) reported business segments — segment reporting other item amount of $5.31M in Q2 2026.
How has Citizens Financial Services, Inc.'s business segments — segment reporting other item amount changed year-over-year?
Citizens Financial Services, Inc.'s business segments — segment reporting other item amount increased by 6.4% year-over-year, from $4.99M to $5.31M.
What is the long-term trend for Citizens Financial Services, Inc.'s business segments — segment reporting other item amount?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s business segments — segment reporting other item amount has grown at a 13.6% compound annual growth rate (CAGR), from $13.72M to $20.13M.
What does business segments — segment reporting other item amount mean?
Captures miscellaneous or non-recurring expenses and income items specific to the community banking segment that do not fall into standard operating categories. This metric is used to reconcile segment performance and provides transparency into unique operational adjustments. Monitoring this helps investors identify one-time impacts on segment profitability.

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