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Net Change in Cash at other companies

M&T Bank logo
M&T BankMTB
-$2.42B-222%
Fulton Financial logo
Fulton FinancialFULT
$1.3M+104%
Citizens & Northern logo
Citizens & NorthernCZNC
$27.99M+288%
CTB
Community Trust BancorpCTBI
$155.69M+185%
SB Financial Group logo
SB Financial GroupSBFG
$11.86M
Civista Bancshares logo
Civista BancsharesCIVB
-$21.78M

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:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026. Open the filing →

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479

FAQ

What is Citizens Financial Services, Inc.'s net change in cash?
Citizens Financial Services, Inc. (CZFS) reported net change in cash of $6.32M in Q2 2026.
How has Citizens Financial Services, Inc.'s net change in cash changed year-over-year?
Citizens Financial Services, Inc.'s net change in cash decreased by 50.2% year-over-year, from $12.7M to $6.32M.
What does net change in cash mean?
Total increase or decrease in cash during the period — the sum of operating, investing, financing cash flows plus FX effects.

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