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Citizens Financial Services, Inc. CZFS Investments In Low Income Housing Included In Other Assets And Liabilities

Investments In Low Income Housing Included In Other Assets And Liabilities at other companies

Bank of Hawaii logo
Bank of HawaiiBOH
$10.67M+25.3%
Bank of Hawaii logo
Bank of HawaiiBOH
$224.71M-3.6%
Globe Life logo
Globe LifeGL
$7.24M-65.7%
PNC Financial Services logo
PNC Financial ServicesPNC
$3B+36.4%
Republic Bancorp logo
Republic BancorpRBCAA
$10.06M+102%
Hope Bancorp logo
Hope BancorpHOPE
$0

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:InvestmentsInLowIncomeHousingIncludedInOtherAssetsAndLiabilities.

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 investments in low income housing included in other assets and liabilities?
Citizens Financial Services, Inc. (CZFS) reported investments in low income housing included in other assets and liabilities of $0 in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s investments in low income housing included in other assets and liabilities?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s investments in low income housing included in other assets and liabilities has grown at a -100.0% compound annual growth rate (CAGR), from $6.53M to $0.
What does investments in low income housing included in other assets and liabilities mean?
The balance of investments made in affordable housing projects, often utilized to generate tax credits and fulfill community reinvestment obligations. This metric highlights the company's commitment to social impact and its strategy for effective tax management.