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Citizens Financial Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$5.0M in Q3 2026 · $39.2M over twelve months

Operating cash flow$5.3M
Capital spending−$234K
Free cash flow+$5.0M
Cash / net income0.4×

Analysis

In Q3 2026, Citizens Financial Services generated $5.3M of operating cash flow and spent $234K on capital projects, leaving free cash flow of $5.0M. That is $2.3M more than in Q3 2025 ($2.7M).

Over the twelve months to Sep 30, 2026, operating cash flow was $39.9M; the largest uses were other investing ($364M), dividends ($9.7M), capital spending ($717K); besides operations, cash came from net borrowing (+) / repaid (−) ($233M), other financing ($98.0M); the cash balance fell by $3.7M.

Operating cash flow was $5.3M against net income of $11.9M — 0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: depreciation & amortization +$417K, deferred taxes −$114K.

Free cash flow

Citizens Financial Services: free cash flow by quarterCitizens Financial Services: free cash flow by quarter$10.0MQ4 2024$10.4MQ1 2025$5.5MQ2 2025$2.7MQ3 2025$16.7MQ4 2025$17.9MQ1 2026−$376KQ2 2026$5.0MQ3 2026
Operating cash flow less capital spending.
Citizens Financial Services: operating cash flow against capital spendingCitizens Financial Services: operating cash flow against capital spendingOperating cash flowCapital spending$10.5M$462KQ4 2024$10.9M$585KQ1 2025$6.0M$495KQ2 2025$2.9M$145KQ3 2025$16.7M$71KQ4 2025$18.0M$125KQ1 2026−$89K$287KQ2 2026$5.3M$234KQ3 2026
Latest (Q3 2026): Operating cash flow $5.3M, Capital spending $234K.

Capital allocation, year by year

Citizens Financial Services: where the cash came from (up) and went (down), by fiscal yearCitizens Financial Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $38.7MFY2021: Net borrowing −$14.9MFY2021: Capital spending −$1.1MFY2021: Buybacks −$1.4MFY2021: Dividends −$7.4M$38.7MFY2021FY2022: Operating cash flow $33.2MFY2022: Net borrowing $183MFY2022: Shares issued $112KFY2022: Capital spending −$1.6MFY2022: Buybacks −$1.3MFY2022: Dividends −$7.6M$217MFY2022FY2023: Operating cash flow $26.5MFY2023: Net borrowing $5.4MFY2023: Shares issued $34KFY2023: Capital spending −$2.6MFY2023: Acquisitions $4.9MFY2023: Buybacks −$265KFY2023: Dividends −$8.5M$36.9MFY2023FY2024: Operating cash flow $33.2MFY2024: Net borrowing −$25.7MFY2024: Shares issued $16KFY2024: Capital spending −$1.3MFY2024: Buybacks −$202KFY2024: Dividends −$9.3M$33.2MFY2024FY2025: Operating cash flow $36.5MFY2025: Net borrowing $10.7MFY2025: Shares issued $68KFY2025: Asset sales $12KFY2025: Capital spending −$1.3MFY2025: Buybacks −$358KFY2025: Dividends −$9.5M$47.3MFY2025
Over these 5 years operating cash flow totalled $168M; the largest uses were dividends ($42.3M) and net borrowing ($40.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$27.4M
Debtnone
Net cash$27.4M
Due within a year$282M

Citizens Financial Services funds itself: free cash flow was $39.2M over the last twelve months, with $27.4M of cash and investments and no debt on the balance sheet ($282M due within a year, 0.1× covered by cash).

Citizens Financial Services: debt maturities by year (FY2025)Citizens Financial Services: debt maturities by year (FY2025)$282MYear 1$27.1MAfter year 5
Principal due in each year as disclosed in the annual report, against $27.4M of cash and investments now.

Where the cash came from and went

Citizens Financial Services: sources (+) and uses (−) of cash, Q3 2026Citizens Financial Services: sources (+) and uses (−) of cash, Q3 2026Other investing−$248MNet borrowing (+) / repaid (−)$118MOther financing$115MCash drawn (+) / kept (−)$12.1MOperating cash flow$5.3MDividends−$2.5MCapital spending−$234KShares issued$17KBuybacks−$13K
Citizens Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Citizens Financial Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$364MNet borrowing (+) / repaid (−)$233MOther financing$98.0MOperating cash flow$39.9MDividends−$9.7MCash drawn (+) / kept (−)$3.7MCapital spending−$717KBuybacks−$303KShares issued$72KAsset & business sales−$1K

From profit to cash

Citizens Financial Services: net income to operating cash flow, Q3 2026Citizens Financial Services: net income to operating cash flow, Q3 2026Net income$11.9MDepreciation & amortization$417KDeferred taxes−$114KOperating cash flow$5.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$5.3M−$234K−$13K−$2.5M$118M$17K$12.1M$5.0M
Q2 2026−$89K−$287K−$147K−$2.5M$205M$19K−$6.3M−$376K
Q1 2026$18.0M−$125K−$158K−$2.4M−$111M$16K$1.2M$17.9M
Q4 2025$16.7M−$71K$15K−$2.4M−$5.0M$20K−$3.2M$16.7M
Q3 2025$2.9M−$145K−$77K−$2.4M−$33.8M$16K$18.4M$2.7M
Q2 2025$6.0M−$495K−$239K−$2.4M$10.8M$17K−$12.7M$5.5M
Q1 2025$10.9M−$585K−$57K−$2.4M$3.9M$15K$5.4M$10.4M
Q4 2024$10.5M−$462K$2K−$2.3M$65.6M—−$5.4M$10.0M

Citizens Financial Services: income statement and cash flow

Citizens Financial Services, Q3 2026: revenue $31.6M (+9% year over year), operating margin 46.1%. The chart follows the revenue to costs, profit and cash.

Citizens Financial Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.