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Citizens Financial Services, Inc. CZFS Interest Income

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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:InterestAndFeeIncomeLoansAndLeases.

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
INTEREST AND DIVIDEND INCOME:
Interest and fees on loans$35,233$35,227$71,595$70,783
Interest-bearing deposits with banks89132192275
Investment securities:
Taxable2,8232,3975,3344,736
Nontaxable9685841,8471,131
Dividends392409814838
TOTAL INTEREST AND DIVIDEND INCOME39,50538,74979,78277,763

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s interest income?
Citizens Financial Services, Inc. (CZFS) reported interest income of $35.23M in Q2 2026.
How has Citizens Financial Services, Inc.'s interest income changed year-over-year?
Citizens Financial Services, Inc.'s interest income increased by 0.0% year-over-year, from $35.23M to $35.23M.
What is the long-term trend for Citizens Financial Services, Inc.'s interest income?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s interest income has grown at a 21.5% compound annual growth rate (CAGR), from $66.37M to $144.43M.
What does interest income mean?
Income earned from interest-bearing assets including cash deposits, money market funds, treasury securities, corporate bonds, and customer financing receivables.

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