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Citizens Financial Services, Inc. CZFS Affordable Housing Program Expected Future Payments Due In Three Years

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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:AffordableHousingProgramExpectedFuturePaymentsDueInThreeYears.

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 due in three years?
Citizens Financial Services, Inc. (CZFS) reported affordable housing program expected future payments due in three years of $296K in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s affordable housing program expected future payments due in three years?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s affordable housing program expected future payments due in three years has grown at a 54.5% compound annual growth rate (CAGR), from $124K to $296K.
What does affordable housing program expected future payments due in three years mean?
Indicates the expected future payments for affordable housing program commitments maturing in the third year. Monitoring this helps evaluate the bank's multi-year commitment to community development and its associated cash flow planning.