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Citizens Financial Services, Inc. CZFS PP&E (Net)

PP&E (Net) at other companies

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M&T BankMTB
$1.72B+3.3%
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Fulton FinancialFULT
$168.94M-9.6%
Citizens & Northern logo
Citizens & NorthernCZNC
$26.71M+26.0%
CTB
Community Trust BancorpCTBI
$53.07M+1.8%
SB Financial Group logo
SB Financial GroupSBFG
$21.09M-3.5%
Civista Bancshares logo
Civista BancsharesCIVB
$37.42M-12.8%

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$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
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 us-gaap:PropertyPlantAndEquipmentNet.

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 BALANCE SHEET / (UNAUDITED) / (in thousands, except share data)June 30, 2026December 31, 2025
Available-for-sale securities491,311444,741
Loans held for sale10,3699,393
Loans (net of allowance for credit losses: 2026, $23,559 and 2025, $22,806)2,371,4692,327,816
Premises and equipment20,66020,998
Accrued interest receivable10,92210,698
Goodwill85,75885,758
Bank owned life insurance74,46551,501
Other intangibles1,9342,221

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s PP&E (net)?
Citizens Financial Services, Inc. (CZFS) reported PP&E (net) of $20.66M in Q2 2026.
How has Citizens Financial Services, Inc.'s PP&E (net) changed year-over-year?
Citizens Financial Services, Inc.'s PP&E (net) decreased by 5.1% year-over-year, from $21.78M to $20.66M.
What is the long-term trend for Citizens Financial Services, Inc.'s PP&E (net)?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s PP&E (net) has grown at a 4.4% compound annual growth rate (CAGR), from $16.95M to $21M.
What does PP&E (net) mean?
Total property, plant, and equipment minus accumulated depreciation — the net book value of all tangible long-lived assets.

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