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Citizens Financial Services, Inc. CZFS Finite-Lived Intangible Assets - Expected Amortization Expense (Year Five)

Finite-Lived Intangible Assets - Expected Amortization Expense (Year Five) at other companies

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Financial InstitutionsFISI
$484K-29.2%

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/S+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:FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive.

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 finite-lived intangible assets - expected amortization expense (year five)?
Citizens Financial Services, Inc. (CZFS) reported finite-lived intangible assets - expected amortization expense (year five) of $238K in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s finite-lived intangible assets - expected amortization expense (year five)?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s finite-lived intangible assets - expected amortization expense (year five) has grown at a 20.2% compound annual growth rate (CAGR), from $137K to $238K.
What does finite-lived intangible assets - expected amortization expense (year five) mean?
This represents the projected annual amortization expense for intangible assets with finite useful lives for the fifth year following the current reporting period. It provides visibility into the long-term impact of past acquisitions on future earnings. Investors use this to forecast the gradual reduction of intangible asset book values and the corresponding impact on net income.