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Citizens Financial Services, Inc. CZFS Time deposits

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Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S3×+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s time deposits?
Citizens Financial Services, Inc. (CZFS) reported time deposits of $473.86M in Q4 2025.
How has Citizens Financial Services, Inc.'s time deposits changed year-over-year?
Citizens Financial Services, Inc.'s time deposits decreased by 9.2% year-over-year, from $521.8M to $473.86M.
What is the long-term trend for Citizens Financial Services, Inc.'s time deposits?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s time deposits has grown at a 4.4% compound annual growth rate (CAGR), from $381.19M to $473.86M.
What does time deposits mean?
The total balance of interest-bearing deposit accounts, such as certificates of deposit, that have a specified maturity date. These represent a stable source of funding for the bank but carry interest rate sensitivity based on prevailing market conditions.