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

Effective Income Tax Rate Reconciliation Tax Credit Low Income Housing 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:EffectiveIncomeTaxRateReconciliationTaxCreditLowIncomeHousingPercent.

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 tax credit low income housing percent?
Citizens Financial Services, Inc. (CZFS) reported effective income tax rate reconciliation tax credit low income housing percent of 1.8% in Q4 2025.
What does effective income tax rate reconciliation tax credit low income housing percent mean?
Quantifies the percentage point reduction in the effective tax rate attributable to low-income housing tax credits. This metric demonstrates the relative impact of these specific tax-advantaged investments on the company's overall tax efficiency. It helps investors gauge the effectiveness of the company's tax credit strategy in lowering its tax burden.