Citizens Financial Services, Inc. CZFS Effective Income Tax Rate Reconciliation Bank Owned Life Insurance Percent

Effective Income Tax Rate Reconciliation Bank Owned Life Insurance Percent at other companies

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Columbia Financial, Inc.CLBK

$429.75K+35.9%

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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/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:EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsurancePercent.

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 effective income tax rate reconciliation bank owned life insurance percent?: Citizens Financial Services, Inc. (CZFS) reported effective income tax rate reconciliation bank owned life insurance percent of 0.7% in Q4 2025.
What does effective income tax rate reconciliation bank owned life insurance percent mean?: Measures the percentage point impact on the effective tax rate attributable to the tax-exempt nature of bank-owned life insurance income. This metric helps investors understand how insurance-related earnings contribute to tax efficiency.