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Citizens Financial Services, Inc. CZFS Interest Income (Expense), Operating

Interest Income (Expense), Operating at other companies

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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:InterestIncomeExpenseNet.

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 income (expense), operating?
Citizens Financial Services, Inc. (CZFS) reported interest income (expense), operating of $26.11M in Q1 2026.
How has Citizens Financial Services, Inc.'s interest income (expense), operating changed year-over-year?
Citizens Financial Services, Inc.'s interest income (expense), operating increased by 13.5% year-over-year, from $23M to $26.11M.
What is the long-term trend for Citizens Financial Services, Inc.'s interest income (expense), operating?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s interest income (expense), operating has grown at a 10.3% compound annual growth rate (CAGR), from $66.11M to $98M.
What does interest income (expense), operating mean?
Calculated as the difference between total interest income and total interest expense, representing the net interest income generated by the bank. This is the fundamental measure of a bank's core profitability from its lending and deposit-taking activities.