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Citizens Financial Services, Inc. CZFS Amortization of capitalized software and acquired intangible assets

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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:AmortizationOfIntangibleAssets.

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
Line itemMSRsCore deposit intangiblesTotal
Three months ended June 30, 2026 (actual)$58$105$163
Six months ended June 30,2026 (actual)126211337
Three months ended June 30, 2025 (actual)64127191
Six months ended June 30,2025 (actual)134254388
Estimate for year ending December 31,
Remaining 2026100184284
2027156339495
2028108284392

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s amortization of capitalized software and acquired intangible assets?
Citizens Financial Services, Inc. (CZFS) reported amortization of capitalized software and acquired intangible assets of $163K in Q2 2026.
How has Citizens Financial Services, Inc.'s amortization of capitalized software and acquired intangible assets changed year-over-year?
Citizens Financial Services, Inc.'s amortization of capitalized software and acquired intangible assets decreased by 14.7% year-over-year, from $191K to $163K.
What does amortization of capitalized software and acquired intangible assets mean?
Amortization of capitalized software and acquired intangible assets

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