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Citizens Financial Services, Inc. CZFS Interchange Revenue — Service Charges On Deposit Accounts

Other product segments

Overdraft Fees
$377K+2.4%
Service Charges On Deposit Accounts Other
$93K-1.1%
Statement Fees
$79K+79.5%
Automated Teller Machine Income
$26K-10.3%

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SPF
SPFIService Charges On Deposit Accounts
$2.37M+12.8%

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

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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 czfs:ServiceChargesOnDepositAccounts.

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
Revenue streamThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Service charges on deposit accounts
Overdraft fees$377$368$770$727
Statement fees794416794
Interchange revenue8137681,5371,529
ATM income26295460
Other service charges9394184184
Total Service Charges1,3881,3032,7122,594
Trust200183435407

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts?
Citizens Financial Services, Inc. (CZFS) reported interchange revenue — service charges on deposit accounts of $813K in Q2 2026.
How has Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts changed year-over-year?
Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts increased by 5.9% year-over-year, from $768K to $813K.
What is the long-term trend for Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s interchange revenue — service charges on deposit accounts has grown at a 4.2% compound annual growth rate (CAGR), from $2.8M to $3.31M.
What does interchange revenue — service charges on deposit accounts mean?
This metric represents the recurring fee income generated from the maintenance and administration of customer deposit accounts, including checking and savings products. It reflects the bank's ability to monetize its core retail and commercial deposit base through account-related service fees. Consistent performance in this area indicates stable customer retention and effective fee-based service pricing strategies.

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