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Citizens Financial Services, Inc. CZFS Service Charges On Deposit Accounts

Service Charges On Deposit Accounts at other companies

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Segments

By product

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Interchange Revenue$813K+5.9%
Overdraft Fees$377K+2.4%
Service Charges On Deposit Accounts Other$93K-1.1%
Statement Fees$79K+79.5%
Automated Teller Machine Income$26K-10.3%

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 czfs:ServiceChargesOnDepositAccounts.

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
Provision for credit losses5007501,0001,375
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES25,19422,89850,80745,275
NON-INTEREST INCOME:
Service charges1,3881,3032,7122,594
Trust200183435407
Brokerage and insurance6406271,2091,310
Gains on loans sold6217398861,011
Equity security gains, net963211521

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s service charges on deposit accounts?
Citizens Financial Services, Inc. (CZFS) reported service charges on deposit accounts of $1.39M in Q2 2026.
How has Citizens Financial Services, Inc.'s service charges on deposit accounts changed year-over-year?
Citizens Financial Services, Inc.'s service charges on deposit accounts increased by 6.5% year-over-year, from $1.3M to $1.39M.
What does service charges on deposit accounts mean?
This represents the fee-based revenue generated from maintaining customer deposit accounts, including maintenance fees, overdraft charges, and other transaction-related costs. It is a key component of non-interest income that provides a stable, recurring revenue stream for retail and commercial banking operations. Growth in this area indicates strong customer engagement and effective fee-based service strategies.

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