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Citizens Financial Services, Inc. CZFS Overdraft Fees — Service Charges On Deposit Accounts

Other product segments

Interchange Revenue
$724K-4.9%
Service Charges On Deposit Accounts Other
$91K+1.1%
Statement Fees
$88K+76.0%
Automated Teller Machine Income
$28K-9.7%

Similar metrics at other companies

First BanCorp logo
FBPService Charges And Fees On Deposit Accounts
$9.93M+3.0%
Independent Bank Corporation logo
IBCPOverdraft fees — Revenue from contracts with customers
$2.1M-0.5%
Peapack-Gladstone Financial logo
PGCBanking — Overdraft Fees Revenue
$97K-8.5%
Banc of California logo
BANCService charges on deposit accounts — Service charges on deposit accounts
$4.98M+9.6%
Coastal Financial logo
CCBOverdraft fees — Revenue
$51.75K+4.5%
Trustco Bank Corp logo
TRSTOverdraft Fees — Revenue
$681K+0.1%

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

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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/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 overdraft fees — service charges on deposit accounts?
Citizens Financial Services, Inc. (CZFS) reported overdraft fees — service charges on deposit accounts of $393K in Q1 2026.
How has Citizens Financial Services, Inc.'s overdraft fees — service charges on deposit accounts changed year-over-year?
Citizens Financial Services, Inc.'s overdraft fees — service charges on deposit accounts increased by 9.5% year-over-year, from $359K to $393K.
What is the long-term trend for Citizens Financial Services, Inc.'s overdraft fees — service charges on deposit accounts?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s overdraft fees — service charges on deposit accounts has grown at a 7.9% compound annual growth rate (CAGR), from $1.11M to $1.51M.
What does overdraft fees — service charges on deposit accounts mean?
This metric represents the total revenue generated from fees assessed on deposit accounts when a customer's transaction exceeds their available balance. It reflects the bank's income derived from overdraft protection services and non-sufficient funds charges. Monitoring this figure helps investors assess the bank's reliance on consumer-facing fee income and potential regulatory or reputational risks associated with overdraft practices.