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Citizens Financial Services, Inc. CZFS Net Interest Income

Net Interest Income at other companies

M&T Bank logo
M&T BankMTB
$1.79B+4.6%
Fulton Financial logo
Fulton FinancialFULT
$284.25M+11.5%
Citizens & Northern logo
Citizens & NorthernCZNC
$29.62M+40.1%
CTB
Community Trust BancorpCTBI
$60.89M+12.7%
SB Financial Group logo
SB Financial GroupSBFG
$12.95M+6.8%
Civista Bancshares logo
Civista BancsharesCIVB
$38.59M+10.9%

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:InterestIncomeExpenseNet.

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 INCOME / (UNAUDITED) / (in thousands, except share and per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Deposits11,16011,44922,46523,743
Borrowed funds2,6513,6525,5107,370
TOTAL INTEREST EXPENSE13,81115,10127,97531,113
NET INTEREST INCOME25,69423,64851,80746,650
Provision for credit losses5007501,0001,375
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES25,19422,89850,80745,275
NON-INTEREST INCOME:
Service charges1,3881,3032,7122,594

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s net interest income?
Citizens Financial Services, Inc. (CZFS) reported net interest income of $25.69M in Q2 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 8.7% year-over-year, from $23.65M to $25.69M.
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.

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