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Citizens Financial Services, Inc. CZFS Defined Contribution Plan Employer Discretionary Contribution To401K

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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$394.51M+56.6%
Enterprise value$749.1M+45.3%
P/E9.6×+1.6×
P/S3.3×+0.9×

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 czfs:DefinedContributionPlanEmployerDiscretionaryContributionTo401K.

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

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

In lieu of the pension plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee’s base compensation. The contribution amount is placed in a separate account within the 401(k) plan and is subject to a vesting requirement. Contributions by the Company totaled $618,000, $539,000 and $354,000 for 2025, 2024 and 2023, respectively.

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k?
Citizens Financial Services, Inc. (CZFS) reported defined contribution plan employer discretionary contribution to401k of $154.5K in Q4 2025.
How has Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k changed year-over-year?
Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k increased by 14.7% year-over-year, from $134.75K to $154.5K.
What is the long-term trend for Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k has grown at a 32.1% compound annual growth rate (CAGR), from $354K to $618K.
What does defined contribution plan employer discretionary contribution to401k mean?
Defined Contribution Plan Employer Discretionary Contribution To401K as reported by Citizens Financial Services, Inc. Common Stock.

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