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Citizens Financial Services, Inc. CZFS Total Liabilities & Equity

Total Liabilities & Equity at other companies

M&T Bank logo
M&T BankMTB
$219.26B+3.6%
Fulton Financial logo
Fulton FinancialFULT
$32.24B+0.3%
Citizens & Northern logo
Citizens & NorthernCZNC
$3.15B+20.7%
CTB
Community Trust BancorpCTBI
$6.99B+9.4%
SB Financial Group logo
SB Financial GroupSBFG
$1.62B+9.0%
Civista Bancshares logo
Civista BancsharesCIVB
$4.29B+2.6%

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:LiabilitiesAndStockholdersEquity.

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
Common stock
$1.00 par value; authorized 25,000,000 shares at June 30, 2026 and December 31, 2025, issued 5,262,935 at June 30, 2026 and 5,255,807 at December 31, 20255,2635,256
Additional paid-in capital148,341147,965
Retained earnings229,333213,623
Accumulated other comprehensive loss(13,362)(12,377)
Treasury stock, at cost: 453,654 shares at June 30, 2026 and 448,727 shares at December 31, 2025(16,742)(16,416)
TOTAL STOCKHOLDERS’ EQUITY352,833338,051
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY$3,192,116$3,064,564

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s total liabilities & equity?
Citizens Financial Services, Inc. (CZFS) reported total liabilities & equity of $3.19B in Q2 2026.
How has Citizens Financial Services, Inc.'s total liabilities & equity changed year-over-year?
Citizens Financial Services, Inc.'s total liabilities & equity increased by 7.6% year-over-year, from $2.97B to $3.19B.
What is the long-term trend for Citizens Financial Services, Inc.'s total liabilities & equity?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s total liabilities & equity has grown at a 10.1% compound annual growth rate (CAGR), from $1.89B to $3.06B.
What does total liabilities & equity mean?
Total assets = total liabilities + total equity. This must always balance — a fundamental accounting identity.

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