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Citizens Financial Services, Inc. CZFS Proceeds from (Repayments of) Short-Term Debt

Proceeds from (Repayments of) Short-Term Debt at other companies

Fulton Financial logo
Fulton FinancialFULT
——
Citizens & Northern logo
Citizens & NorthernCZNC
——
First Financial Bankshares logo
First Financial BanksharesFFIN
——
Midland States Bancorp logo
Midland States BancorpMSBI
——
Financial Institutions logo
Financial InstitutionsFISI
——
F.N.B. Corporation logo
F.N.B. CorporationFNB
——

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:ProceedsFromRepaymentsOfShortTermDebt.

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

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Questions, answered.

What is Citizens Financial Services, Inc.'s proceeds from (repayments of) short-term debt?
Citizens Financial Services, Inc. (CZFS) reported proceeds from (repayments of) short-term debt of -$110.81M in Q1 2026.
How has Citizens Financial Services, Inc.'s proceeds from (repayments of) short-term debt changed year-over-year?
Citizens Financial Services, Inc.'s proceeds from (repayments of) short-term debt decreased by 2913.8% year-over-year, from $3.94M to -$110.81M.
What is the long-term trend for Citizens Financial Services, Inc.'s proceeds from (repayments of) short-term debt?
Over 3 years (2021 to 2024), Citizens Financial Services, Inc.'s proceeds from (repayments of) short-term debt has grown at a 65.1% compound annual growth rate (CAGR), from $2.06M to $9.28M.