Skip to content
Screener

Citizens Financial Services, Inc. CZFS Total noninterest expense

Total noninterest expense at other companies

Fulton Financial logo
Fulton FinancialFULT
$230.95M+19.8%
Citizens & Northern logo
Citizens & NorthernCZNC
$23.84M+22.9%
CTB
Community Trust BancorpCTBI
$37.37M+4.8%
SB Financial Group logo
SB Financial GroupSBFG
$12.14M+2.4%
Civista Bancshares logo
Civista BancsharesCIVB
$28.65M+4.3%
M&T Bank logo
M&T BankMTB

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$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
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:NoninterestExpense.

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
Software expenses429453884885
Other real estate owned expenses19473390192
Other3,0042,6935,5615,247
TOTAL NON-INTEREST EXPENSES16,86716,14733,46832,575
Income before provision for income taxes12,34110,41625,04319,792
Provision for income taxes2,1541,9534,4803,708
NET INCOME$10,187$8,463$20,563$16,084
PER COMMON SHARE DATA:

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s total noninterest expense?
Citizens Financial Services, Inc. (CZFS) reported total noninterest expense of $16.87M in Q2 2026.
How has Citizens Financial Services, Inc.'s total noninterest expense changed year-over-year?
Citizens Financial Services, Inc.'s total noninterest expense increased by 4.5% year-over-year, from $16.15M to $16.87M.
What is the long-term trend for Citizens Financial Services, Inc.'s total noninterest expense?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s total noninterest expense has grown at a 11.7% compound annual growth rate (CAGR), from $41.55M to $64.68M.
What does total noninterest expense mean?
The aggregate of all operating expenses excluding interest expense, including personnel, occupancy, technology, and regulatory costs. It is a primary measure of the bank's operational efficiency and cost management discipline.

Ask your AI about Citizens Financial Services, Inc.'s total noninterest expense.

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

Connect your AI
Harbor at dusk
Claude