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Citizens Financial Services, Inc. CZFS Time Deposit Maturities, after Year Five

Time Deposit Maturities, after Year Five at other companies

Eagle Bancorp Montana logo
Eagle Bancorp MontanaEBMT
$0-100%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$17K-52.8%
Wintrust Financial logo
Wintrust FinancialWTFC
$184K+171%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$5.36M+46.4%
National Bank Holdings logo
National Bank HoldingsNBHC
$356K-27.9%
Washington Trust Bancorp logo
Washington Trust BancorpWASH
$2.36M-33.9%

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+44.7%
Enterprise value$741.31M+39.6%
P/E9.4×+1.0×
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 us-gaap:TimeDepositMaturitiesAfterYearFive.

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
2026366,083
202756,357
202826,605
202911,369
20308,087
Thereafter5,357
Total certificates of deposit$473,858

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s time deposit maturities, after year five?
Citizens Financial Services, Inc. (CZFS) reported time deposit maturities, after year five of $5.36M in Q4 2025.
How has Citizens Financial Services, Inc.'s time deposit maturities, after year five changed year-over-year?
Citizens Financial Services, Inc.'s time deposit maturities, after year five increased by 46.4% year-over-year, from $3.66M to $5.36M.
What is the long-term trend for Citizens Financial Services, Inc.'s time deposit maturities, after year five?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s time deposit maturities, after year five has grown at a 0.6% compound annual growth rate (CAGR), from $5.2M to $5.36M.
What does time deposit maturities, after year five mean?
Time Deposit Maturities, after Year Five as reported by Citizens Financial Services, Inc. Common Stock.

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