Citizens Financial Services, Inc. CZFS Long-Term Debt

Long-Term Debt at other companies

M&T BankMTB

$11.18B+6.5%

Fulton FinancialFULT

$1.25B-24.4%

SB Financial GroupSBFG

$10.31M0.0%

Greene County BancorpGCBC

$0—

Community Financial SystemCBU

$598M+4.1%

CNB FinancialCCNE

$35M-58.7%

FAQ

What is Citizens Financial Services, Inc.'s long-term debt?

Citizens Financial Services, Inc. (CZFS) reported long-term debt of $394.02M in Q2 2026.

How has Citizens Financial Services, Inc.'s long-term debt changed year-over-year?

Citizens Financial Services, Inc.'s long-term debt increased by 25.8% year-over-year, from $313.22M to $394.02M.

What is the long-term trend for Citizens Financial Services, Inc.'s long-term debt?

Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s long-term debt has grown at a 28.4% compound annual growth rate (CAGR), from $88.84M to $309.45M.

What does long-term debt mean?

Bonds, term loans, notes payable, and other borrowings with maturities beyond one year — the primary long-term financing source.