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

Other product segments

Overdraft Fees
$393K+9.5%
Service Charges On Deposit Accounts Other
$91K+1.1%
Statement Fees
$88K+76.0%
Automated Teller Machine Income
$28K-9.7%

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$3.36M+1.5%
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BCALService charges and fees on deposit accounts — Revenue
$811K+4.5%

Other financials

Income statement

See full
Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S3×+0.3×

Profitability

See full
Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

See full
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 czfs:ServiceChargesOnDepositAccounts.

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 interchange revenue — service charges on deposit accounts?
Citizens Financial Services, Inc. (CZFS) reported interchange revenue — service charges on deposit accounts of $724K in Q1 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 decreased by 4.9% year-over-year, from $761K to $724K.
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.