What does debt instrument face amount mean?

This represents the principal or par value of all outstanding debt instruments issued by the company. It serves as the primary measure of the company's contractual debt obligations before considering premiums, discounts, or issuance costs. This figure is critical for evaluating the company's total leverage and debt repayment obligations.

Citizens Financial Services, Inc. CZFS Debt Instrument Face Amount

Debt Instrument Face Amount at other companies

M&T BankMTB

$2.03B—

Greene County BancorpGCBC

$0—

Independent Bank CorpINDB

$99.97M—

Other financials

Income statement

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Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

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Cash & equivalents$33.1M-10.0%

Total debt$198.7M-34.2%

Total equity$343.6M+11.4%

Total assets$3.0B+0.3%

Cash flow

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Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%

Enterprise value$506.74M-5.4%

P/E8.7×-0.9×

P/S3×+0.3×

Profitability

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Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp

Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:LineOfCredit.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s debt instrument face amount?: Citizens Financial Services, Inc. (CZFS) reported debt instrument face amount of $0 in Q4 2025.
What does debt instrument face amount mean?: This represents the principal or par value of all outstanding debt instruments issued by the company. It serves as the primary measure of the company's contractual debt obligations before considering premiums, discounts, or issuance costs. This figure is critical for evaluating the company's total leverage and debt repayment obligations.