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Citizens Financial Services, Inc. CZFS Deferred Tax Liabilities Deferred Low Income Housing Tax Credits

Deferred Tax Liabilities Deferred Low Income Housing Tax Credits at other companies

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York WaterYORW
$237K-10.6%
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$4.43M-3.7%
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PNC Financial ServicesPNC
$3B+36.4%
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Keysight TechnologiesKEYS
$1M0.0%
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Hope BancorpHOPE
$5.27M+5,444%
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Southern CompanySO
$17.45B+4.0%

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:DeferredTaxLiabilitiesDeferredLowIncomeHousingTaxCredits.

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 deferred tax liabilities deferred low income housing tax credits?
Citizens Financial Services, Inc. (CZFS) reported deferred tax liabilities deferred low income housing tax credits of $17K in Q4 2025.
What does deferred tax liabilities deferred low income housing tax credits mean?
This represents the deferred tax liability associated with investments in low-income housing projects that generate tax credits. It reflects the timing difference between the recognition of tax benefits and the underlying investment accounting. Monitoring this helps evaluate the tax-advantaged investment strategy of the bank.