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Citizens Financial Services, Inc. CZFS Brokered deposits

Brokered deposits at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$514K-99.6%
CNB Financial logo
CNB FinancialCCNE
$303.2M+63.9%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$60M-35.5%
Northwest Bancshares logo
Northwest BancsharesNWBI
$193M-4.0%
ACNB logo
ACNBACNB
$75M+8.7%
OFG Bancorp logo
OFG BancorpOFG
$238.88M-3.8%

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$395.71M+57.0%
Enterprise value$750.3M+45.5%
P/E9.6×+1.7×
P/S3.4×+1.0×

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 us-gaap:InterestBearingDomesticDepositBrokered.

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

Certificates of deposit of $250,000 or more amounted to $138,366,000 and $191,015,000 at December 31, 2025 and 2024, respectively. Brokered deposits totaled $60,000,000 and $93,055,000 as of December 31, 2025 and 2024, respectively.

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s brokered deposits?
Citizens Financial Services, Inc. (CZFS) reported brokered deposits of $60M in Q4 2025.
How has Citizens Financial Services, Inc.'s brokered deposits changed year-over-year?
Citizens Financial Services, Inc.'s brokered deposits decreased by 35.5% year-over-year, from $93.06M to $60M.
What is the long-term trend for Citizens Financial Services, Inc.'s brokered deposits?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s brokered deposits has grown at a 20.3% compound annual growth rate (CAGR), from $23.84M to $60M.
What does brokered deposits mean?
Brokered deposits as reported by Citizens Financial Services, Inc. Common Stock.

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