Skip to content
Screener

Citizens Financial Services, Inc. CZFS Occupancy and equipment

Occupancy and equipment at other companies

M&T Bank logo
M&T BankMTB
$129M-0.8%
Fulton Financial logo
Fulton FinancialFULT
$18.23M+0.1%
Citizens & Northern logo
Citizens & NorthernCZNC
$1.73M+23.2%
CTB
Community Trust BancorpCTBI
$2.56M+7.3%
SB Financial Group logo
SB Financial GroupSBFG
$802K+1.1%
Civista Bancshares logo
Civista BancsharesCIVB
$1.58M+11.6%

Segments

By segment

See full
Community Banking$1.29M+9.1%

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
P/S3.3×+0.7×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
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:OccupancyNet.

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
TOTAL NON-INTEREST INCOME4,0143,6657,7047,092
NON-INTEREST EXPENSES:
Salaries and employee benefits10,2729,97620,54820,265
Occupancy1,2891,1822,7012,538
Furniture and equipment336318623583
Professional fees5285251,0681,042
FDIC insurance370495765945
Pennsylvania shares tax340305717624

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s occupancy and equipment?
Citizens Financial Services, Inc. (CZFS) reported occupancy and equipment of $1.29M in Q2 2026.
How has Citizens Financial Services, Inc.'s occupancy and equipment changed year-over-year?
Citizens Financial Services, Inc.'s occupancy and equipment increased by 9.1% year-over-year, from $1.18M to $1.29M.
What is the long-term trend for Citizens Financial Services, Inc.'s occupancy and equipment?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s occupancy and equipment has grown at a 15.6% compound annual growth rate (CAGR), from $2.97M to $5.3M.
What does occupancy and equipment mean?
Costs for office and branch facilities (rent, utilities, maintenance) and equipment (depreciation, repairs, technology hardware) used in operations.

Ask your AI about Citizens Financial Services, Inc.'s occupancy and equipment.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude