Skip to content
Screener

Software Expenses at other companies

Ohio Valley Banc Corp logo
Ohio Valley Banc CorpOVBC
$673K+24.4%
Flagstar Bank logo
Flagstar BankFLG
$49M+28.9%
Flagstar Bank logo
Flagstar BankFLG
$49M+28.9%
Western New England Bancorp logo
Western New England BancorpWNEB
$712K+10.4%
Western New England Bancorp logo
Western New England BancorpWNEB
$712K+10.4%
Genasys logo
GenasysGNSS
$3.98M-8.0%

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$395.71M+57.0%
Enterprise value$750.3M+45.5%
P/E9.6×+1.7×
P/S3.4×+1.0×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
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 czfs:SoftwareExpenses.

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
FDIC insurance370495765945
Pennsylvania shares tax340305717624
Amortization of intangibles105127211254
Software expenses429453884885
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

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s software expenses?
Citizens Financial Services, Inc. (CZFS) reported software expenses of $429K in Q2 2026.
How has Citizens Financial Services, Inc.'s software expenses changed year-over-year?
Citizens Financial Services, Inc.'s software expenses decreased by 5.3% year-over-year, from $453K to $429K.
What is the long-term trend for Citizens Financial Services, Inc.'s software expenses?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s software expenses has grown at a 8.7% compound annual growth rate (CAGR), from $1.32M to $1.84M.
What does software expenses mean?
Software Expenses as reported by Citizens Financial Services, Inc. Common Stock.

Ask your AI about Citizens Financial Services, Inc.'s software expenses.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude