Citizens Financial Services (CZFS) Interest Expenses (2010 - 2026)
Citizens Financial Services (CZFS) posted Interest Expenses of $13.8 million for Q2 2026, down 2.49% on a QoQ basis from $14.2 million in Q1 2026, and down 8.54% year-over-year from $15.1 million in Q2 2025.
Analysis
Citizens Financial Services (CZFS) Interest Expenses (2010 - 2026) Analysis & Trends
Citizens Financial Services has reported Interest Expenses for 17 years, with the latest figure at $13.8 million in Q2 2026.
- On a quarterly basis, Interest Expenses fell 8.54% year-over-year to $13.8 million in Q2 2026; TTM through Jun 2026 was $58.0 million, a 11.27% decrease from a year earlier, with the FY2025 full-year figure at $61.2 million, down 9.87% from the prior year.
- Interest Expenses was $13.8 million for Q2 2026 at Citizens Financial Services, down from $14.2 million in the prior quarter.
- The five-year high for Interest Expenses was $17.4 million in Q3 2024, with the low at $1.6 million in Q1 2022.
- Average Interest Expenses over 5 years is $11.9 million, with a median of $14.6 million recorded in 2023.
- The sharpest annual moves came in 2022 and 2023: Interest Expenses decreased 16.24% in 2022, then jumped 429.74% in 2023.
- Over 5 years, Interest Expenses stood at $5.1 million in 2022, then surged by 229.52% to $16.7 million in 2023, then grew by 1.58% to $16.9 million in 2024, then retreated by 11.7% to $14.9 million in 2025, then fell by 7.56% to $13.8 million in 2026.
- The last three Interest Expenses figures came in at $13.8 million (Q2 2026), $14.2 million (Q1 2026), and $14.9 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | -467.75 Bn |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 2.35 Bn |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 1.16 Bn |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 828.00 Mn |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 1.33 Bn |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 912.00 Mn |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 471.00 Mn |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 809.00 Mn |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 1.20 Bn |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | 13.81 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 13.81 Mn |
| Mar 31, 2026 | 14.16 Mn |
| Dec 31, 2025 | 14.94 Mn |
| Sep 30, 2025 | 15.11 Mn |
| Jun 30, 2025 | 15.10 Mn |
| Mar 31, 2025 | 16.01 Mn |
| Dec 31, 2024 | 16.92 Mn |
| Sep 30, 2024 | 17.37 Mn |
| Jun 30, 2024 | 16.60 Mn |
| Mar 31, 2024 | 16.98 Mn |
| Dec 31, 2023 | 16.66 Mn |
| Sep 30, 2023 | 14.29 Mn |
| Jun 30, 2023 | 8.89 Mn |
| Mar 31, 2023 | 7.03 Mn |
| Dec 31, 2022 | 5.06 Mn |
| Sep 30, 2022 | 2.94 Mn |
| Jun 30, 2022 | 1.68 Mn |
| Mar 31, 2022 | 1.55 Mn |
| Dec 31, 2021 | 1.64 Mn |
| Sep 30, 2021 | 1.75 Mn |