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Citizens Financial Services, Inc. CZFS Total noninterest income

Total noninterest income at other companies

M&T Bank logo
M&T BankMTB
$740M+8.3%
Fulton Financial logo
Fulton FinancialFULT
$79.31M+14.7%
Citizens & Northern logo
Citizens & NorthernCZNC
$9.8M+20.4%
CTB
Community Trust BancorpCTBI
$17.6M+8.8%
SB Financial Group logo
SB Financial GroupSBFG
$4.99M-1.2%
Civista Bancshares logo
Civista BancsharesCIVB
$9.01M+36.7%

Segments

By segment

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Community Banking$4.01M+9.5%

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:NoninterestIncome.

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
Equity security gains, net963211521
Earnings on bank owned life insurance7873551,357701
Other2824269901,048
TOTAL NON-INTEREST INCOME4,0143,6657,7047,092
NON-INTEREST EXPENSES:
Salaries and employee benefits10,2729,97620,54820,265
Occupancy1,2891,1822,7012,538
Furniture and equipment336318623583

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s total noninterest income?
Citizens Financial Services, Inc. (CZFS) reported total noninterest income of $4.01M in Q2 2026.
How has Citizens Financial Services, Inc.'s total noninterest income changed year-over-year?
Citizens Financial Services, Inc.'s total noninterest income increased by 9.5% year-over-year, from $3.67M to $4.01M.
What is the long-term trend for Citizens Financial Services, Inc.'s total noninterest income?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s total noninterest income has grown at a 3.9% compound annual growth rate (CAGR), from $12.31M to $14.34M.
What does total noninterest income mean?
All bank revenue sources other than net interest income — service charges, trading revenue, investment banking fees, wealth management fees, and card income.

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