What is Citizens Financial Services, Inc.'s direct?

Citizens Financial Services, Inc. (CZFS) reported direct of $473.86M in Q4 2025.

How has Citizens Financial Services, Inc.'s direct changed year-over-year?

Citizens Financial Services, Inc.'s direct decreased by 9.2% year-over-year, from $521.8M to $473.86M.

What is the long-term trend for Citizens Financial Services, Inc.'s direct?

Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s direct has grown at a 4.4% compound annual growth rate (CAGR), from $381.19M to $473.86M.

Citizens Financial Services, Inc. CZFS Direct

Direct at other companies

Greene County BancorpGCBC

——

CNB FinancialCCNE

——

Other financials

Income statement

See full

Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

See full

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

See full

Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation

See full

Market cap$341.1M+26.0%

Enterprise value$506.74M-5.4%

P/E8.7×-0.9×

P/S3×+0.3×

Profitability

See full

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

See full

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:InterestBearingDomesticDepositCertificatesOfDeposits.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s direct.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s direct?: Citizens Financial Services, Inc. (CZFS) reported direct of $473.86M in Q4 2025.
How has Citizens Financial Services, Inc.'s direct changed year-over-year?: Citizens Financial Services, Inc.'s direct decreased by 9.2% year-over-year, from $521.8M to $473.86M.
What is the long-term trend for Citizens Financial Services, Inc.'s direct?: Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s direct has grown at a 4.4% compound annual growth rate (CAGR), from $381.19M to $473.86M.