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Citizens Financial Services, Inc. CZFS Cash Provided by (Used in) Operating Activity, Including Discontinued Operation

Cash Provided by (Used in) Operating Activity, Including Discontinued Operation at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$8.65M+447%
CTB
Community Trust BancorpCTBI
$39.48M+7.9%
Civista Bancshares logo
Civista BancsharesCIVB
$12.18M+237%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$7.65M-30.5%
Greene County Bancorp logo
Greene County BancorpGCBC
$10.67M+46.1%
M&T Bank logo
M&T BankMTB
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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/S3×+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:NetCashProvidedByUsedInOperatingActivities.

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 cash provided by (used in) operating activity, including discontinued operation?
Citizens Financial Services, Inc. (CZFS) reported cash provided by (used in) operating activity, including discontinued operation of $18.02M in Q1 2026.
How has Citizens Financial Services, Inc.'s cash provided by (used in) operating activity, including discontinued operation changed year-over-year?
Citizens Financial Services, Inc.'s cash provided by (used in) operating activity, including discontinued operation increased by 64.6% year-over-year, from $10.95M to $18.02M.
What is the long-term trend for Citizens Financial Services, Inc.'s cash provided by (used in) operating activity, including discontinued operation?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s cash provided by (used in) operating activity, including discontinued operation has grown at a -1.4% compound annual growth rate (CAGR), from $38.69M to $36.53M.
What does cash provided by (used in) operating activity, including discontinued operation mean?
Measures the cash generated from the company's core business operations, excluding financing and investing activities. It reflects the ability of the company to convert revenue into actual cash flow after accounting for changes in working capital.