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Citizens Financial Services, Inc. CZFS Operating Cash Flow

Operating Cash Flow at other companies

M&T Bank logo
M&T BankMTB
$1.01B+59.4%
Fulton Financial logo
Fulton FinancialFULT
$114.7M+16,216%
Citizens & Northern logo
Citizens & NorthernCZNC
$15.42M+81.2%
CTB
Community Trust BancorpCTBI
$44.09M+177%
SB Financial Group logo
SB Financial GroupSBFG
$6.83M—
Civista Bancshares logo
Civista BancsharesCIVB
$17.11M+54.4%

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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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:NetCashProvidedByUsedInOperatingActivities.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 6:05 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001140361-26-019398
CITIZENS FINANCIAL SERVICES, INC. / CONSOLIDATED STATEMENT OF CASH FLOWS / (UNAUDITED) / (in thousands)Three Months Ended / March 31, 2026Three Months Ended / March 31, 2025
Increase in accrued interest receivable(243)(612)
Increase (decrease) in accrued interest payable618(1,550)
Other, net4,3921,890
Net cash provided by operating activities18,01810,945
CASH FLOWS FROM INVESTING ACTIVITIES:
Available-for-sale securities:
Proceeds from maturity and principal repayments19,79314,094
Purchase of securities(26,236)(14,161)

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s operating cash flow?
Citizens Financial Services, Inc. (CZFS) reported operating cash flow of $18.02M in Q1 2026.
How has Citizens Financial Services, Inc.'s operating cash flow changed year-over-year?
Citizens Financial Services, Inc.'s operating cash flow increased by 64.6% year-over-year, from $10.95M to $18.02M.
What is the long-term trend for Citizens Financial Services, Inc.'s operating cash flow?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s operating cash flow has grown at a -1.4% compound annual growth rate (CAGR), from $38.69M to $36.53M.
What does operating cash flow mean?
Total cash generated by or used in core business operations — the single most important cash flow metric for assessing business health.

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