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Citizens Financial Services, Inc. CZFS Brokered deposits

Brokered deposits at other companies

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CNB FinancialCCNE
——

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 us-gaap:InterestBearingDomesticDepositBrokered.

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 brokered deposits?
Citizens Financial Services, Inc. (CZFS) reported brokered deposits of $60M in Q4 2025.
How has Citizens Financial Services, Inc.'s brokered deposits changed year-over-year?
Citizens Financial Services, Inc.'s brokered deposits decreased by 35.5% year-over-year, from $93.06M to $60M.
What is the long-term trend for Citizens Financial Services, Inc.'s brokered deposits?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s brokered deposits has grown at a 20.3% compound annual growth rate (CAGR), from $23.84M to $60M.
What does brokered deposits mean?
This represents deposits obtained through third-party brokers rather than directly from the bank's own customer base. Brokered deposits are often used to quickly manage liquidity needs but are typically more expensive and less stable than core deposits. A high reliance on brokered deposits can indicate a competitive disadvantage in organic deposit gathering.