Skip to content
Screener

Citizens Financial Services, Inc. CZFS Expenses Benefit Associated With Split Dollar Benefit

Expenses Benefit Associated With Split Dollar Benefit at other companies

Elevance Health logo
Elevance HealthELV
$36.74B+3.5%
Lincoln Educational Services Corporation logo
Lincoln Educational Services CorporationLINC
$258.25K-18.3%
APO
Apogee EnterprisesAPOG
$192.25K-1.5%
HNI logo
HNIHNI
$300K+20.0%
LKQ logo
LKQLKQ
$1.5M-45.5%
ADTRAN Holdings, Inc. logo
ADTRAN Holdings, Inc.ADTN
$901.75K-12.2%

Other financials

Income statement

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

Balance sheet

See full
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

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

Valuation

See full
Market cap$394.51M+56.6%
Enterprise value$749.1M+45.3%
P/E9.6×+1.6×
P/S3.3×+0.9×

Profitability

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

Returns & leverage

See full
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:ExpensesBenefitAssociatedWithSplitDollarBenefit.

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

The obligation of $529,000 and $514,000 under split-dollar benefit agreements to former employees and directors or their beneficiaries have been recognized as liabilities on the consolidated balance sheet at December 31, 2025 and 2024. The (benefit)/expenses associated with the split dollar benefit were $51,000, ($96,000) and ($50,000) for 2025, 2024 and 2023, respectively.

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s expenses benefit associated with split dollar benefit?
Citizens Financial Services, Inc. (CZFS) reported expenses benefit associated with split dollar benefit of -$51K in Q4 2025.
How has Citizens Financial Services, Inc.'s expenses benefit associated with split dollar benefit changed year-over-year?
Citizens Financial Services, Inc.'s expenses benefit associated with split dollar benefit increased by 46.9% year-over-year, from -$96K to -$51K.
What is the long-term trend for Citizens Financial Services, Inc.'s expenses benefit associated with split dollar benefit?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s expenses benefit associated with split dollar benefit has grown at a 76.2% compound annual growth rate (CAGR), from $3K to -$51K.
What does expenses benefit associated with split dollar benefit mean?
Expenses Benefit Associated With Split Dollar Benefit as reported by Citizens Financial Services, Inc. Common Stock.

Ask your AI about Citizens Financial Services, Inc.'s expenses benefit associated with split dollar benefit.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude