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Citizens Financial Services, Inc. CZFS Retained Earnings

Retained Earnings at other companies

M&T Bank logo
M&T BankMTB
$21.48B+10.7%
Fulton Financial logo
Fulton FinancialFULT
$2.08B+13.6%
Citizens & Northern logo
Citizens & NorthernCZNC
$175.52M+3.5%
CTB
Community Trust BancorpCTBI
$631.56M+12.4%
SB Financial Group logo
SB Financial GroupSBFG
$133.13M+10.7%
Civista Bancshares logo
Civista BancsharesCIVB
$261.62M+18.2%

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:RetainedEarningsAccumulatedDeficit.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026. Open the filing →

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479

FAQ

What is Citizens Financial Services, Inc.'s retained earnings?
Citizens Financial Services, Inc. (CZFS) reported retained earnings of $229.33M in Q2 2026.
How has Citizens Financial Services, Inc.'s retained earnings changed year-over-year?
Citizens Financial Services, Inc.'s retained earnings increased by 15.9% year-over-year, from $197.94M to $229.33M.
What is the long-term trend for Citizens Financial Services, Inc.'s retained earnings?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s retained earnings has grown at a 11.0% compound annual growth rate (CAGR), from $126.63M to $213.62M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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