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Citizens Financial Services, Inc. CZFS Interest Expense, Deposits

Interest Expense, Deposits at other companies

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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$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
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:InterestExpenseDeposits.

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
Dividends392409814838
TOTAL INTEREST AND DIVIDEND INCOME39,50538,74979,78277,763
INTEREST EXPENSE:
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

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s interest expense, deposits?
Citizens Financial Services, Inc. (CZFS) reported interest expense, deposits of $11.16M in Q2 2026.
How has Citizens Financial Services, Inc.'s interest expense, deposits changed year-over-year?
Citizens Financial Services, Inc.'s interest expense, deposits decreased by 2.5% year-over-year, from $11.45M to $11.16M.
What is the long-term trend for Citizens Financial Services, Inc.'s interest expense, deposits?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s interest expense, deposits has grown at a 68.5% compound annual growth rate (CAGR), from $5.84M to $47.05M.
What does interest expense, deposits mean?
Represents the total interest costs paid to depositors for maintaining funds in interest-bearing accounts. This is a primary component of the bank's cost of funds and directly impacts net interest margin.

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