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Citizens Financial Services, Inc. CZFS Affordable Housing Program Expected Future Payments Due In Two 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:AffordableHousingProgramExpectedFuturePaymentsDueInTwoYears.

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 two years?
Citizens Financial Services, Inc. (CZFS) reported affordable housing program expected future payments due in two years of $491K in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s affordable housing program expected future payments due in two years?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s affordable housing program expected future payments due in two years has grown at a -52.4% compound annual growth rate (CAGR), from $2.17M to $491K.
What does affordable housing program expected future payments due in two years mean?
Reflects the anticipated financial obligations related to affordable housing initiatives due in the second year from the reporting date. It provides visibility into the medium-term capital requirements for community reinvestment programs.