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Citizens Financial Services, Inc. CZFS Weighted Average Interest Rate On Overdrawn Demand Deposit

Weighted Average Interest Rate On Overdrawn Demand Deposit at other companies

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166%-43.0pp
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Provident Financial ServicesPFS
0%
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WaFd, Inc.WAFD
3.7%-0.8pp
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BankUnitedBKU
2.1%-0.5pp
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2.9%-0.5pp
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BankUnitedBKU
3.5%-0.5pp

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:WeightedAverageInterestRateOnOverdrawnDemandDeposit.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s weighted average interest rate on overdrawn demand deposit?
Citizens Financial Services, Inc. (CZFS) reported weighted average interest rate on overdrawn demand deposit of 4% in Q4 2025.
How has Citizens Financial Services, Inc.'s weighted average interest rate on overdrawn demand deposit changed year-over-year?
Citizens Financial Services, Inc.'s weighted average interest rate on overdrawn demand deposit decreased by 14.8% year-over-year, from 4.7% to 4%.
What is the long-term trend for Citizens Financial Services, Inc.'s weighted average interest rate on overdrawn demand deposit?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s weighted average interest rate on overdrawn demand deposit has grown at a 28.3% compound annual growth rate (CAGR), from 1.2% to 4%.
What does weighted average interest rate on overdrawn demand deposit mean?
The average interest rate charged on demand deposit accounts that have fallen into an overdrawn status. This metric reflects the bank's internal policy on penalty pricing and the yield generated from short-term credit extensions to deposit customers.