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Intangibles (Net) at other companies

M&T Bank logo
M&T BankMTB
$48M-42.9%
Citizens & Northern logo
Citizens & NorthernCZNC
$9.94M+432%
SB Financial Group logo
SB Financial GroupSBFG
$1.19M
Civista Bancshares logo
Civista BancsharesCIVB
$11.58M+62.8%
Community Financial System logo
Community Financial SystemCBU
$63.04M+44.7%
Midland States Bancorp logo
Midland States BancorpMSBI
$8.16M-27.1%

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+44.7%
Enterprise value$741.31M+39.6%
P/E9.4×+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:FiniteLivedIntangibleAssetsNet.

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
Line itemJune 30, 2026 / Gross carrying valueJune 30, 2026 / Accumulated amortizationJune 30, 2026 / Net carrying valueDecember 31, 2025 / Gross carrying valueDecember 31, 2025 / Accumulated amortizationDecember 31, 2025 / Net carrying value
Amortized intangible assets (1):
MSRs$2,168$(1,675)$493$2,362$(1,793)$569
Core deposit intangibles3,072(1,631)1,4413,072(1,420)1,652
Total amortized intangible assets$5,240$(3,306)$1,934$5,434$(3,213)$2,221
Unamortized intangible assets:
Goodwill$85,758$85,758

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s intangibles (net)?
Citizens Financial Services, Inc. (CZFS) reported intangibles (net) of $1.93M in Q2 2026.
How has Citizens Financial Services, Inc.'s intangibles (net) changed year-over-year?
Citizens Financial Services, Inc.'s intangibles (net) decreased by 23.6% year-over-year, from $2.53M to $1.93M.
What is the long-term trend for Citizens Financial Services, Inc.'s intangibles (net)?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s intangibles (net) has grown at a 5.9% compound annual growth rate (CAGR), from $1.67M to $2.22M.
What does intangibles (net) mean?
Identifiable intangible assets (patents, trademarks, customer relationships, technology) net of accumulated amortization — excluding goodwill.

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