What is Citizens Financial Services, Inc.'s interest expense?

Citizens Financial Services, Inc. (CZFS) reported interest expense of $14.16M in Q1 2026.

How has Citizens Financial Services, Inc.'s interest expense changed year-over-year?

Citizens Financial Services, Inc.'s interest expense decreased by 11.5% year-over-year, from $16.01M to $14.16M.

What does interest expense mean?

The total interest expense incurred by the bank across all funding sources, including deposits and borrowings. It serves as a key indicator of the bank's overall cost of capital and funding efficiency.

Citizens Financial Services, Inc. CZFS Interest Expense

Interest Expense at other companies

Greene County BancorpGCBC

$12.39M-8.7%

CTB

Community Trust BancorpCTBI

——

Segments

By segment

See full

Community Banking$14.16M-11.5%

Other financials

Income statement

See full

Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

See full

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

See full

Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation

See full

Market cap$341.1M+26.0%

Enterprise value$506.74M-5.4%

P/E8.7×-0.9×

P/S3×+0.3×

Profitability

See full

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

See full

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:InterestExpenseOperating.

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 interest expense?: Citizens Financial Services, Inc. (CZFS) reported interest expense of $14.16M in Q1 2026.
How has Citizens Financial Services, Inc.'s interest expense changed year-over-year?: Citizens Financial Services, Inc.'s interest expense decreased by 11.5% year-over-year, from $16.01M to $14.16M.
What does interest expense mean?: The total interest expense incurred by the bank across all funding sources, including deposits and borrowings. It serves as a key indicator of the bank's overall cost of capital and funding efficiency.