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Citizens Financial Services, Inc. CZFS Non-cash dividends paid in-kind

Non-cash dividends paid in-kind at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$711K+71,000%
BRT Apartments logo
BRT ApartmentsBRT
$3.74M
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$711K+71,000%
Ares Capital logo
Ares CapitalARCC
$11M-50.0%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$711K+71,000%
BRT Apartments logo
BRT ApartmentsBRT
$3.74M

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 us-gaap:DividendsPaidinkind.

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
Supplemental Disclosures of Cash Flow Information:
Interest paid$$62,730$67,46644,677
Income taxes paid$$6,590$2,8265,130
Non-cash activities:
Stock dividend$$2,844$2,0483,021
Real estate acquired in settlement of loans$$40$2,635147
Investments matured and not settled included in other assets--8,000
Investments in low income housing included in other assets and liabilities--6,530
Right of use asset and liability$$2,065$30628

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s non-cash dividends paid in-kind?
Citizens Financial Services, Inc. (CZFS) reported non-cash dividends paid in-kind of $711K in Q4 2025.
How has Citizens Financial Services, Inc.'s non-cash dividends paid in-kind changed year-over-year?
Citizens Financial Services, Inc.'s non-cash dividends paid in-kind increased by 71000.0% year-over-year, from $1K to $711K.
What is the long-term trend for Citizens Financial Services, Inc.'s non-cash dividends paid in-kind?
Over 3 years (2021 to 2025), Citizens Financial Services, Inc.'s non-cash dividends paid in-kind has grown at a 6.5% compound annual growth rate (CAGR), from $2.35M to $2.84M.
What does non-cash dividends paid in-kind mean?
Non-cash dividends paid in-kind as reported by Citizens Financial Services, Inc. Common Stock.

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