CZFS (Citizens Financial Services) Net Interest Income: $101.5 Mil (TTM As of Jun. 2026)

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CZFS Citizens Financial Services Inc CZFS
66 GF Score
Price $80.87
GF Value $63.15
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Citizens Financial Services Net Interest Income?

Citizens Financial Services CZFS -0.21% 66 Net Interest Income is $101.5 Mil as of Jun. 2026. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Citizens Financial Services's net interest income for the three months ended in Jun. 2026 was $25.3 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was $101.5 Mil.

Citizens Financial Services Net Interest Income Related Terms

Citizens Financial Services Net Interest Income Historical Data

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The historical data trend for Citizens Financial Services's Net Interest Income can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Financial Services Net Interest Income Chart

Citizens Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.73 71.51 78.85 84.91 96.30

Citizens Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Interest Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23.24 24.70 25.79 25.69 25.30
CZFS
66GF Score
Citizens Financial Services Inc CZFS
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial Services Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $101.5 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of $101.5 Mil mean?
Citizens Financial Services (CZFS) has a Net Interest Income of $101.5 Mil as of Jun. 2026.
Is Citizens Financial Services' Net Interest Income too high?
Citizens Financial Services' current Net Interest Income is $101.5 Mil. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Net Interest Income compare to NWFL and WSBF?
Citizens Financial Services' Net Interest Income of $101.5 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Citizens Financial Services's current Net Interest Income is $101.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Net Interest Income is $101.5 Mil. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Net Interest Income is $101.5 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Financial Services (CZFS) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued. The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15. GuruFocus considers Citizens Financial Services to be Modestly Overvalued.

Key valuation signals for CZFS:

  • Net Interest Income: $101.5 Mil
  • GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
  • GF Score™: 66/100 with 8 warning signs

No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Financial Services Business Description

Address 15 South Main Street, Mansfield, PA, USA, 16933
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score

Get the complete analysis for CZFS

Net Interest Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.87
Price
$63.15
GF Value