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Citizens Financial Services, Inc. CZFS Amount Over Which All Relationship To Be Reviewed Minimum

Amount Over Which All Relationship To Be Reviewed Minimum at other companies

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Norwood FinancialNWFL
$375K0.0%
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Corebridge FinancialCRBG
$0.050.0%
GBC
Glacier BancorpGBCI
4.5%0.0pp
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Metropolitan Bank Holding Corp.MCB
$577.26M+11.4%
Heritage Financial logo
Heritage FinancialHFWA
$446.1M-0.9%
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Norwood FinancialNWFL
$151.42M+7.4%

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:AmountOverWhichAllRelationshipToBeReviewedMinimum.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s amount over which all relationship to be reviewed minimum?
Citizens Financial Services, Inc. (CZFS) reported amount over which all relationship to be reviewed minimum of $750K in Q1 2026.
How has Citizens Financial Services, Inc.'s amount over which all relationship to be reviewed minimum changed year-over-year?
Citizens Financial Services, Inc.'s amount over which all relationship to be reviewed minimum increased by 500.0% year-over-year, from $125K to $750K.
What does amount over which all relationship to be reviewed minimum mean?
Represents the minimum threshold of total exposure or aggregate relationship value that triggers a mandatory comprehensive credit review. This metric helps investors understand the bank's internal risk management and oversight policies for large client relationships.