Skip to content
OpenCapital
Get started

Citizens Financial Services, Inc. CZFS Software Expenses

Software Expenses at other companies

First Business Financial Services logo
First Business Financial ServicesFBIZ
$1.92M+19.8%
WesBanco logo
WesBancoWSBC
$15.68M+20.1%
CVB Financial logo
CVB FinancialCVBF
$4.29M+12.1%
West Bancorporation logo
West BancorporationWTBA
$774K-1.5%
The Bancorp logo
The BancorpTBBK
$5.37M+7.1%
Red River Bancshares, Inc. logo
Red River Bancshares, Inc.RRBI
$863K+3.4%

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 czfs:SoftwareExpenses.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s software expenses.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s software expenses?
Citizens Financial Services, Inc. (CZFS) reported software expenses of $455K in Q1 2026.
How has Citizens Financial Services, Inc.'s software expenses changed year-over-year?
Citizens Financial Services, Inc.'s software expenses increased by 5.3% year-over-year, from $432K to $455K.
What is the long-term trend for Citizens Financial Services, Inc.'s software expenses?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s software expenses has grown at a 8.7% compound annual growth rate (CAGR), from $1.32M to $1.84M.
What does software expenses mean?
Covers costs related to software licensing, cloud services, and digital platform maintenance. As banking becomes increasingly digital, this metric highlights the bank's investment in technology infrastructure and its commitment to digital transformation.