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Citizens Financial Services, Inc. CZFS Defined Contribution Plan Employer Discretionary Contribution To401K

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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 czfs:DefinedContributionPlanEmployerDiscretionaryContributionTo401K.

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 defined contribution plan employer discretionary contribution to401k?
Citizens Financial Services, Inc. (CZFS) reported defined contribution plan employer discretionary contribution to401k of $154.5K in Q4 2025.
How has Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k changed year-over-year?
Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k increased by 14.7% year-over-year, from $134.75K to $154.5K.
What is the long-term trend for Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s defined contribution plan employer discretionary contribution to401k has grown at a 32.1% compound annual growth rate (CAGR), from $354K to $618K.
What does defined contribution plan employer discretionary contribution to401k mean?
The amount of discretionary contributions made by the employer to employee 401(k) retirement plans. This reflects the company's commitment to employee benefits and its approach to discretionary compensation expenses.