Skip to content

Citizens Financial Services, Inc. CZFS Debt Maturity - 5 to 10 Years

Debt Maturity - 5 to 10 Years at other companies

M&T Bank logo
M&T BankMTB
$0
Greene County Bancorp logo
Greene County BancorpGCBC
$1.31M
Community Financial System logo
Community Financial SystemCBU
$389.71M+21.9%
Financial Institutions logo
Financial InstitutionsFISI
$15.32M-60.4%
CTB
Community Trust BancorpCTBI
CNB Financial logo
CNB FinancialCCNE

Other financials

Income statement

See full
Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

See full
Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

See full
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:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s debt maturity - 5 to 10 years.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s debt maturity - 5 to 10 years?
Citizens Financial Services, Inc. (CZFS) reported debt maturity - 5 to 10 years of $87.32M in Q1 2026.
How has Citizens Financial Services, Inc.'s debt maturity - 5 to 10 years changed year-over-year?
Citizens Financial Services, Inc.'s debt maturity - 5 to 10 years increased by 16.5% year-over-year, from $74.96M to $87.32M.
What is the long-term trend for Citizens Financial Services, Inc.'s debt maturity - 5 to 10 years?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s debt maturity - 5 to 10 years has grown at a 7.0% compound annual growth rate (CAGR), from $65.59M to $92.01M.
What does debt maturity - 5 to 10 years mean?
This represents the total principal amount of long-term debt obligations that are scheduled to mature between five and ten years from the reporting date. It provides insight into the bank's long-term funding structure and future refinancing requirements. Managing this maturity profile is essential for maintaining stable capital levels and controlling interest expense.