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Citizens Financial Services, Inc. CZFS Affordable Housing Program Expected Future Payments Next12Months

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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 czfs:AffordableHousingProgramExpectedFuturePaymentsNext12Months.

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 affordable housing program expected future payments next12months?
Citizens Financial Services, Inc. (CZFS) reported affordable housing program expected future payments next12months of $605K in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s affordable housing program expected future payments next12months?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s affordable housing program expected future payments next12months has grown at a -61.4% compound annual growth rate (CAGR), from $4.06M to $605K.
What does affordable housing program expected future payments next12months mean?
Represents the projected cash outflows for affordable housing program commitments scheduled to be paid within the next twelve months. This metric helps investors assess the near-term liquidity impact of the bank's social responsibility and community development obligations.