Skip to content
Screener

Citizens Financial Services, Inc. CZFS Total Interest Income

Total Interest Income at other companies

M&T Bank logo
M&T BankMTB
$2.62B+0.4%
Fulton Financial logo
Fulton FinancialFULT
$390.06M-2.4%
Citizens & Northern logo
Citizens & NorthernCZNC
$41.57M+28.1%
CTB
Community Trust BancorpCTBI
$91.24M+6.6%
SB Financial Group logo
SB Financial GroupSBFG
$19.82M+7.3%
Civista Bancshares logo
Civista BancsharesCIVB
$56.55M+0.5%

Segments

By segment

See full
Community Banking$39.51M+2.0%

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
P/S3.3×+0.7×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
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:InterestAndDividendIncomeOperating.

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 STATEMENT OF INCOME / (UNAUDITED) / (in thousands, except share and per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Taxable2,8232,3975,3344,736
Nontaxable9685841,8471,131
Dividends392409814838
TOTAL INTEREST AND DIVIDEND INCOME39,50538,74979,78277,763
INTEREST EXPENSE:
Deposits11,16011,44922,46523,743
Borrowed funds2,6513,6525,5107,370
TOTAL INTEREST EXPENSE13,81115,10127,97531,113

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s total interest income?
Citizens Financial Services, Inc. (CZFS) reported total interest income of $39.51M in Q2 2026.
How has Citizens Financial Services, Inc.'s total interest income changed year-over-year?
Citizens Financial Services, Inc.'s total interest income increased by 2.0% year-over-year, from $38.75M to $39.51M.
What is the long-term trend for Citizens Financial Services, Inc.'s total interest income?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s total interest income has grown at a 21.4% compound annual growth rate (CAGR), from $73.22M to $159.17M.
What does total interest income mean?
Total interest earned on all interest-bearing assets — loans, investment securities, deposits at other banks, and federal funds sold.

Ask your AI about Citizens Financial Services, Inc.'s total interest income.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude