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Citizens Financial Services, Inc. CZFS Goodwill

Goodwill at other companies

M&T Bank logo
M&T BankMTB
$8.47B0.0%
Fulton Financial logo
Fulton FinancialFULT
$607.65M-3.4%
Citizens & Northern logo
Citizens & NorthernCZNC
$63.31M+20.6%
CTB
Community Trust BancorpCTBI
$65.49M0.0%
SB Financial Group logo
SB Financial GroupSBFG
$27.16M0.0%
Civista Bancshares logo
Civista BancsharesCIVB
$130.44M+3.9%

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$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
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:Goodwill.

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
Loans (net of allowance for credit losses: 2026, $23,559 and 2025, $22,806)2,371,4692,327,816
Premises and equipment20,66020,998
Accrued interest receivable10,92210,698
Goodwill85,75885,758
Bank owned life insurance74,46551,501
Other intangibles1,9342,221
Derivative assets6,7556,927
Deferred tax asset11,44311,440

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s goodwill?
Citizens Financial Services, Inc. (CZFS) reported goodwill of $85.76M in Q2 2026.
How has Citizens Financial Services, Inc.'s goodwill changed year-over-year?
Citizens Financial Services, Inc.'s goodwill decreased by 0.0% year-over-year, from $85.76M to $85.76M.
What is the long-term trend for Citizens Financial Services, Inc.'s goodwill?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s goodwill has grown at a 22.3% compound annual growth rate (CAGR), from $31.38M to $85.76M.
What does goodwill mean?
The excess of acquisition cost over the fair value of net identifiable assets acquired — representing brand value, customer relationships, and synergies from past M&A.

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