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Citizens Financial Services, Inc. CZFS Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

M&T Bank logo
M&T BankMTB
$1.61B+3.0%
Fulton Financial logo
Fulton FinancialFULT
$247.58M+4.3%
Citizens & Northern logo
Citizens & NorthernCZNC
$14.85M-24.8%
CTB
Community Trust BancorpCTBI
$56.47M+18.4%
Civista Bancshares logo
Civista BancsharesCIVB
$38.45M+23.2%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$27.14M+16.2%

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions)?
Citizens Financial Services, Inc. (CZFS) reported net interest income (after provisions) of $25.61M in Q1 2026.
How has Citizens Financial Services, Inc.'s net interest income (after provisions) changed year-over-year?
Citizens Financial Services, Inc.'s net interest income (after provisions) increased by 14.5% year-over-year, from $22.38M to $25.61M.
What is the long-term trend for Citizens Financial Services, Inc.'s net interest income (after provisions)?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s net interest income (after provisions) has grown at a 10.3% compound annual growth rate (CAGR), from $64.56M to $95.63M.
What does net interest income (after provisions) mean?
Calculated as net interest income minus the provision for credit losses, representing the net revenue available after accounting for the expected cost of credit risk. This metric provides a more accurate view of the bank's bottom-line interest-based earnings after adjusting for potential loan defaults.