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Citizens Financial Services, Inc. CZFS Net change in short-term borrowings

Net change in short-term borrowings at other companies

Fulton Financial logo
Fulton FinancialFULT
-$44.88M+64.1%
Citizens & Northern logo
Citizens & NorthernCZNC
-$15.03M-684%
First Financial Bankshares logo
First Financial BanksharesFFIN
$5.62M+105%
Midland States Bancorp logo
Midland States BancorpMSBI
$93.24M+297%
Financial Institutions logo
Financial InstitutionsFISI
$5M+111%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$139M-80.5%

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:ProceedsFromRepaymentsOfShortTermDebt.

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

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Questions, answered.

What is Citizens Financial Services, Inc.'s net change in short-term borrowings?
Citizens Financial Services, Inc. (CZFS) reported net change in short-term borrowings of -$110.81M in Q1 2026.
How has Citizens Financial Services, Inc.'s net change in short-term borrowings changed year-over-year?
Citizens Financial Services, Inc.'s net change in short-term borrowings decreased by 2913.8% year-over-year, from $3.94M to -$110.81M.
What is the long-term trend for Citizens Financial Services, Inc.'s net change in short-term borrowings?
Over 3 years (2021 to 2024), Citizens Financial Services, Inc.'s net change in short-term borrowings has grown at a 65.1% compound annual growth rate (CAGR), from $2.06M to $9.28M.
What does net change in short-term borrowings mean?
Net change in short-term borrowings — new borrowings minus repayments, presented net due to high volume and short maturities.