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Citizens Financial Services, Inc. CZFS Effective Income Tax Rate Reconciliation Low Income Housing Expense Percent

Effective Income Tax Rate Reconciliation Low Income Housing Expense Percent at other companies

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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:EffectiveIncomeTaxRateReconciliationLowIncomeHousingExpensePercent.

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 low income housing expense percent?
Citizens Financial Services, Inc. (CZFS) reported effective income tax rate reconciliation low income housing expense percent of 1.7% in Q4 2025.
What does effective income tax rate reconciliation low income housing expense percent mean?
Represents the percentage point impact of low-income housing investment expenses on the company's effective tax rate. This metric helps isolate the cost component of the company's affordable housing strategy. It is used to assess whether the tax benefits derived from these investments outweigh the associated operational or amortization costs.