What does benefit in excess of the cash surrender value mean?

Represents the additional value or benefit derived from bank-owned life insurance policies beyond their current cash surrender value. This metric highlights the potential future financial gain or asset value associated with corporate-owned insurance instruments.

Citizens Financial Services, Inc. CZFS Benefit In Excess Of The Cash Surrender Value

Benefit In Excess Of The Cash Surrender Value at other companies

Farmers & Merchants BancorpFMAO

$655K+168%

III

Insteel IndustriesIIIN

$249K—

Kearny FinancialKRNY

$2.65M+3.0%

Republic BancorpRBCAA

$185K—

DXC TechnologyDXC

-$4M-33.3%

Hanmi FinancialHAFC

$56.7M-0.9%

Other financials

Income statement

See full

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/S3×+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:BenefitInExcessOfTheCashSurrenderValue.

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 benefit in excess of the cash surrender value?: Citizens Financial Services, Inc. (CZFS) reported benefit in excess of the cash surrender value of 50% in Q4 2025.
What does benefit in excess of the cash surrender value mean?: Represents the additional value or benefit derived from bank-owned life insurance policies beyond their current cash surrender value. This metric highlights the potential future financial gain or asset value associated with corporate-owned insurance instruments.