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Citizens Financial Services, Inc. CZFS Current Debt

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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 us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths.

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

Filed
Mar 12, 2026, 6:04 AM EDT
Fiscal year
FY2025
Accession
0001140361-26-009103

FAQ

What is Citizens Financial Services, Inc.'s current debt?
Citizens Financial Services, Inc. (CZFS) reported current debt of $282.3M in Q4 2025.
How has Citizens Financial Services, Inc.'s current debt changed year-over-year?
Citizens Financial Services, Inc.'s current debt increased by 4.2% year-over-year, from $270.94M to $282.3M.
What is the long-term trend for Citizens Financial Services, Inc.'s current debt?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s current debt has grown at a 35.6% compound annual growth rate (CAGR), from $61.61M to $282.3M.
What does current debt mean?
The portion of long-term debt maturing within the next 12 months, requiring refinancing or repayment from operating cash flows.

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