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Interest Expense at other companies

M&T Bank logo
M&T BankMTB
$784M-9.4%
Fulton Financial logo
Fulton FinancialFULT
$128.03M-13.8%
Citizens & Northern logo
Citizens & NorthernCZNC
$12.13M+3.4%
CTB
Community Trust BancorpCTBI
$28.97M-5.9%
Civista Bancshares logo
Civista BancsharesCIVB
$17.99M-14.2%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$15.85M-7.2%

Segments

By segment

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Community Banking$14.16M-11.5%

Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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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

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:InterestExpenseOperating.

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

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Questions, answered.

What is Citizens Financial Services, Inc.'s interest expense?
Citizens Financial Services, Inc. (CZFS) reported interest expense of $14.16M in Q1 2026.
How has Citizens Financial Services, Inc.'s interest expense changed year-over-year?
Citizens Financial Services, Inc.'s interest expense decreased by 11.5% year-over-year, from $16.01M to $14.16M.
What is the long-term trend for Citizens Financial Services, Inc.'s interest expense?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s interest expense has grown at a 71.3% compound annual growth rate (CAGR), from $7.11M to $61.17M.
What does interest expense mean?
Cost of borrowing — interest paid or accrued on bonds, bank loans, credit facilities, finance leases, and other debt obligations.