Skip to content
OpenCapital
Get started

Citizens Financial Services, Inc. CZFS Mortgage servicing rights

Mortgage servicing rights at other companies

M&T Bank logo
M&T BankMTB
——
Community Financial System logo
Community Financial SystemCBU
——
Financial Institutions logo
Financial InstitutionsFISI
——

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

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S3×+0.3×

Profitability

See full
Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

See full
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:DeferredTaxLiabilitiesMortgageServicingRights.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s mortgage servicing rights.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s mortgage servicing rights?
Citizens Financial Services, Inc. (CZFS) reported mortgage servicing rights of $120K in Q4 2025.
How has Citizens Financial Services, Inc.'s mortgage servicing rights changed year-over-year?
Citizens Financial Services, Inc.'s mortgage servicing rights decreased by 25.0% year-over-year, from $160K to $120K.
What is the long-term trend for Citizens Financial Services, Inc.'s mortgage servicing rights?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s mortgage servicing rights has grown at a -11.0% compound annual growth rate (CAGR), from $215K to $120K.