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Citizens Financial Services, Inc. CZFS Other Contractual Commitments

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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 us-gaap:FairValueDisclosureOffbalanceSheetRisksAmountLiability.

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 other contractual commitments?
Citizens Financial Services, Inc. (CZFS) reported other contractual commitments of $12.21M in Q4 2025.
How has Citizens Financial Services, Inc.'s other contractual commitments changed year-over-year?
Citizens Financial Services, Inc.'s other contractual commitments decreased by 6.1% year-over-year, from $13.01M to $12.21M.
What is the long-term trend for Citizens Financial Services, Inc.'s other contractual commitments?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s other contractual commitments has grown at a -0.0% compound annual growth rate (CAGR), from $12.21M to $12.21M.
What does other contractual commitments mean?
This encompasses all non-cancelable contractual obligations beyond standard purchase agreements, categorized by their expected maturity periods. It reflects the company's future financial commitments and operational liabilities that are not captured in traditional debt or accounts payable. This metric is vital for assessing the company's long-term cash flow planning and contractual risk exposure.