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Citizens Financial Services, Inc. CZFS Investing Cash Flow

Investing Cash Flow at other companies

M&T Bank logo
M&T BankMTB
-$4.32B-1,139%
Fulton Financial logo
Fulton FinancialFULT
-$188.18M-153%
Citizens & Northern logo
Citizens & NorthernCZNC
$36.49M+321%
CTB
Community Trust BancorpCTBI
-$101.11M-89.3%
SB Financial Group logo
SB Financial GroupSBFG
-$4.97M-155%
Civista Bancshares logo
Civista BancsharesCIVB
$38.26M+280%

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:NetCashProvidedByUsedInInvestingActivities.

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 premises and equipment(412)(1,080)
Proceeds from sale of premises and equipment-12
Proceeds from sale of foreclosed assets held for sale-170
Net cash (used in) provided by investing activities(109,573)69,966
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits17,558(89,366)
Repayments of long-term borrowings(10,000)(10,000)
Net increase in short-term borrowed funds94,34724,760

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s investing cash flow?
Citizens Financial Services, Inc. (CZFS) reported investing cash flow of -$139.51M in Q2 2026.
How has Citizens Financial Services, Inc.'s investing cash flow changed year-over-year?
Citizens Financial Services, Inc.'s investing cash flow decreased by 297.3% year-over-year, from $70.69M to -$139.51M.
What is the long-term trend for Citizens Financial Services, Inc.'s investing cash flow?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s investing cash flow has grown at a -29.1% compound annual growth rate (CAGR), from -$158.23M to -$40.08M.
What does investing cash flow mean?
Total net cash provided by or used in investing activities — capex, acquisitions, investment purchases/sales, and other investing items.

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