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Citizens Financial Services, Inc. CZFS Financing Cash Flow

Financing Cash Flow at other companies

M&T Bank logo
M&T BankMTB
$891M-47.5%
Fulton Financial logo
Fulton FinancialFULT
$74.78M+85.9%
Citizens & Northern logo
Citizens & NorthernCZNC
$34.12M+485%
CTB
Community Trust BancorpCTBI
$212.71M+131%
SB Financial Group logo
SB Financial GroupSBFG
$9.99M—
Civista Bancshares logo
Civista BancsharesCIVB
-$24.54M-190%

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+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
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:NetCashProvidedByUsedInFinancingActivities.

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 CASH FLOWS / (UNAUDITED) / (in thousands)Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Purchase of treasury and restricted stock(305)(296)
Issuance of common stock for ESPP3532
Dividends paid(4,853)(4,743)
Net cash provided by (used in) financing activities96,782(79,613)
Net increase in cash and cash equivalents5,1387,282
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD34,29142,202
CASH AND CASH EQUIVALENTS AT END OF PERIOD$39,429$49,484
Supplemental Disclosures of Cash Flow Information:

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s financing cash flow?
Citizens Financial Services, Inc. (CZFS) reported financing cash flow of $145.93M in Q2 2026.
How has Citizens Financial Services, Inc.'s financing cash flow changed year-over-year?
Citizens Financial Services, Inc.'s financing cash flow increased by 328.1% year-over-year, from -$63.98M to $145.93M.
What is the long-term trend for Citizens Financial Services, Inc.'s financing cash flow?
Over 2 years (2021 to 2025), Citizens Financial Services, Inc.'s financing cash flow has grown at a -86.0% compound annual growth rate (CAGR), from $223.67M to -$4.37M.
What does financing cash flow mean?
Total net cash provided by or used in financing activities — debt issuance/repayment, equity transactions, and dividend payments.

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