Skip to content

Free cash flow at other companies

M&T Bank logo
M&T BankMTB
$916M+50.2%
Fulton Financial logo
Fulton FinancialFULT
$113.22M+1,408%
Citizens & Northern logo
Citizens & NorthernCZNC
$8.47M+713%
CTB
Community Trust BancorpCTBI
$37.93M+9.9%
Civista Bancshares logo
Civista BancsharesCIVB
$3.45M+449%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$6.99M-34.2%

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%

Valuation

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

Calculated from Citizens Financial Services, Inc.’s reported figures.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s free cash flow.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s free cash flow?
Citizens Financial Services, Inc. (CZFS) reported free cash flow of $17.89M in Q1 2026.
How has Citizens Financial Services, Inc.'s free cash flow changed year-over-year?
Citizens Financial Services, Inc.'s free cash flow increased by 72.7% year-over-year, from $10.36M to $17.89M.
What is the long-term trend for Citizens Financial Services, Inc.'s free cash flow?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s free cash flow has grown at a -1.6% compound annual growth rate (CAGR), from $37.59M to $35.24M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.