What is Citizens Financial Services, Inc.'s net change in cash?

Citizens Financial Services, Inc. (CZFS) reported net change in cash of -$1.19M in Q1 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 increased by 78.1% year-over-year, from -$5.42M to -$1.19M.

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.

Citizens Financial Services, Inc. CZFS Net Change in Cash

Net Change in Cash at other companies

M&T BankMTB

-$2.42B-222%

Fulton FinancialFULT

$1.3M+104%

Citizens & NorthernCZNC

$8.74M+176%

CTB

Community Trust BancorpCTBI

-$5.03M+82.6%

Civista BancsharesCIVB

$6.21M-77.3%

Farmers & Merchants BancorpFMAO

$75.75M+2,386%

Other financials

Income statement

See full

Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

See full

Cash & equivalents$33.1M-10.0%

Total debt$198.7M-34.2%

Total equity$343.6M+11.4%

Total assets$3.0B+0.3%

Cash flow

See full

Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation

See full

Market cap$341.1M+26.0%

Enterprise value$506.74M-5.4%

P/E8.7×-0.9×

P/S3×+0.3×

Profitability

See full

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

See full

Return on equity12.1%+2.4pp

Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s net change in cash?: Citizens Financial Services, Inc. (CZFS) reported net change in cash of -$1.19M in Q1 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 increased by 78.1% year-over-year, from -$5.42M to -$1.19M.
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.