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Citizens Financial Services, Inc. CZFS Affordable Housing Program Expected Future Payments Thereafter

Affordable Housing Program Expected Future Payments Thereafter at other companies

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Other financials

Income statement

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Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

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Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
P/S3.3×+0.7×

Profitability

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Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

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

Tagged under the XBRL concept czfs:AffordableHousingProgramExpectedFuturePaymentsThereafter.

The source filing: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026.

Filed
Mar 12, 2026, 6:04 AM EDT
Fiscal year
FY2025
Accession
0001140361-26-009103
2026605
2027491
2028296
202912
203014
Thereafter121
$1,539

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s affordable housing program expected future payments thereafter?
Citizens Financial Services, Inc. (CZFS) reported affordable housing program expected future payments thereafter of $121K in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s affordable housing program expected future payments thereafter?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s affordable housing program expected future payments thereafter has grown at a -5.7% compound annual growth rate (CAGR), from $136K to $121K.
What does affordable housing program expected future payments thereafter mean?
Affordable Housing Program Expected Future Payments Thereafter as reported by Citizens Financial Services, Inc. Common Stock.

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