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

Other product segments

Interchange Revenue
$813K+5.9%
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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$2.01M+21.4%
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$10.38M-2.0%
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$2.25M+5.9%
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

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 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 overdraft fees — service charges on deposit accounts?
Citizens Financial Services, Inc. (CZFS) reported overdraft fees — service charges on deposit accounts of $377K in Q2 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 2.4% year-over-year, from $368K to $377K.
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.

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