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Total Interest Expense at other companies

M&T Bank logo
M&T BankMTB
$150M-4.5%
Fulton Financial logo
Fulton FinancialFULT
$115.81M-11.5%
Citizens & Northern logo
Citizens & NorthernCZNC
$1.45M-19.2%
CTB
Community Trust BancorpCTBI
$927K-8.3%
Civista Bancshares logo
Civista BancsharesCIVB
$15.45M-1.7%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$13.25M-5.3%

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:InterestExpenseDeposits.

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 total interest expense?
Citizens Financial Services, Inc. (CZFS) reported total interest expense of $11.31M in Q1 2026.
How has Citizens Financial Services, Inc.'s total interest expense changed year-over-year?
Citizens Financial Services, Inc.'s total interest expense decreased by 8.0% year-over-year, from $12.29M to $11.31M.
What is the long-term trend for Citizens Financial Services, Inc.'s total interest expense?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s total interest expense has grown at a 68.5% compound annual growth rate (CAGR), from $5.84M to $47.05M.
What does total interest expense mean?
The aggregate cost incurred by the bank to fund its operations through interest-bearing liabilities, including customer deposits, short-term borrowings, and long-term debt. Monitoring this metric helps assess the bank's cost of funds and its sensitivity to changes in market interest rates.