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Citizens Financial Services, Inc. CZFS Deposits

Deposits at other companies

M&T Bank logo
M&T BankMTB
$168.89B+2.7%
Fulton Financial logo
Fulton FinancialFULT
$28.25B+8.1%
Citizens & Northern logo
Citizens & NorthernCZNC
$2.6B+23.4%
CTB
Community Trust BancorpCTBI
$5.66B+8.1%
SB Financial Group logo
SB Financial GroupSBFG
$1.39B+11.3%
Civista Bancshares logo
Civista BancsharesCIVB
$3.46B+8.2%

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$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
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:Deposits.

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
CITIZENS FINANCIAL SERVICES, INC. / CONSOLIDATED BALANCE SHEET / (UNAUDITED) / (in thousands, except share data)June 30, 2026December 31, 2025
Deposits:
Noninterest-bearing$495,914$516,657
Interest-bearing1,898,6231,860,322
Total deposits2,394,5372,376,979
Borrowed funds394,024309,448
Accrued interest payable3,3583,130
Derivative liabilities3,9484,100
Other liabilities43,41632,856

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s deposits?
Citizens Financial Services, Inc. (CZFS) reported deposits of $2.39B in Q2 2026.
How has Citizens Financial Services, Inc.'s deposits changed year-over-year?
Citizens Financial Services, Inc.'s deposits increased by 4.4% year-over-year, from $2.29B to $2.39B.
What is the long-term trend for Citizens Financial Services, Inc.'s deposits?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s deposits has grown at a 8.4% compound annual growth rate (CAGR), from $1.59B to $2.38B.
What does deposits mean?
Total customer deposits held by a bank or financial institution — the primary funding source for lending operations.

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