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Pre-Tax Income at other companies

M&T Bank logo
M&T BankMTB
$1.06B+13.7%
Fulton Financial logo
Fulton FinancialFULT
$127.71M+4.1%
Citizens & Northern logo
Citizens & NorthernCZNC
$17.43M+131%
CTB
Community Trust BancorpCTBI
$38.35M+18.2%
SB Financial Group logo
SB Financial GroupSBFG
$5.51M+16.5%
Civista Bancshares logo
Civista BancsharesCIVB
$17.18M+33.2%

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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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 STATEMENT OF INCOME / (UNAUDITED) / (in thousands, except share and per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Other real estate owned expenses19473390192
Other3,0042,6935,5615,247
TOTAL NON-INTEREST EXPENSES16,86716,14733,46832,575
Income before provision for income taxes12,34110,41625,04319,792
Provision for income taxes2,1541,9534,4803,708
NET INCOME$10,187$8,463$20,563$16,084
PER COMMON SHARE DATA:
Net Income - Basic$2.12$1.76$4.29$3.35

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FAQ

What is Citizens Financial Services, Inc.'s pre-tax income?
Citizens Financial Services, Inc. (CZFS) reported pre-tax income of $12.34M in Q2 2026.
How has Citizens Financial Services, Inc.'s pre-tax income changed year-over-year?
Citizens Financial Services, Inc.'s pre-tax income increased by 18.5% year-over-year, from $10.42M to $12.34M.
What is the long-term trend for Citizens Financial Services, Inc.'s pre-tax income?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s pre-tax income has grown at a 6.4% compound annual growth rate (CAGR), from $35.32M to $45.29M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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