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Net Interest Income at other companies

M&T Bank logo
M&T BankMTB
$1.75B+3.4%
Fulton Financial logo
Fulton FinancialFULT
$262.02M+4.3%
Citizens & Northern logo
Citizens & NorthernCZNC
$28.45M+42.4%
CTB
Community Trust BancorpCTBI
$58.78M+14.7%
Civista Bancshares logo
Civista BancsharesCIVB
$37.82M+15.4%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$27.44M+14.8%

Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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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

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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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:InterestIncomeExpenseNet.

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 interest income?
Citizens Financial Services, Inc. (CZFS) reported net interest income of $26.11M in Q1 2026.
How has Citizens Financial Services, Inc.'s net interest income changed year-over-year?
Citizens Financial Services, Inc.'s net interest income increased by 13.5% year-over-year, from $23M to $26.11M.
What is the long-term trend for Citizens Financial Services, Inc.'s net interest income?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s net interest income has grown at a 10.3% compound annual growth rate (CAGR), from $66.11M to $98M.
What does net interest income mean?
The difference between the interest earned on interest-earning assets, such as loans and securities, and the interest paid on interest-bearing liabilities. This is the primary driver of a bank's core profitability and reflects the effectiveness of its asset-liability management.