CITIZENS FINANCIAL SERVICES INC (CZFS) Form 10-Q — Aug 6, 2026
Citizens Financial Services reported net income of $20.6 million for the first six months of 2026, a 27.9% increase from the same period in 2025. The company's net interest income grew by 11.1% to $51.8 million, driven by organic growth and a reduction in the provision for credit losses. Earnings per share rose to $4.29, reflecting strong operational performance and improved efficiency metrics. The bank's balance sheet remains solid, with cash and cash equivalents totaling $39.4 million and total assets reaching $3.07 billion.
Key figures
- Eps
- 4.29
- Eps Beat
- 28.1%
- Revenue
- 4,780,000
- Net Income
- 20,563,000
- Total Debt
- 1,820,000
- Revenue Yoy
- 0.5%
- Total Assets
- 3,069,560,000
- Cash Position
- 39,429,000
- Shares Outstanding
- 4,809,855
- Return on assets
- 1.33%
- Return on equity
- 11.84%
- Dividend per share
- 0.510
- Net interest income
- 51,807,000
- Provision for credit losses
- 1,000,000
Price after filing
Close on the filing date to close N calendar days later (from $82.27). Historical, not a forecast.
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.