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Citizens Financial Services, Inc. CZFS Marketing and business development

Marketing and business development at other companies

CTB
Community Trust BancorpCTBI
——

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:MarketingAndAdvertisingExpense.

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 marketing and business development?
Citizens Financial Services, Inc. (CZFS) reported marketing and business development of $278.5K in Q4 2025.
How has Citizens Financial Services, Inc.'s marketing and business development changed year-over-year?
Citizens Financial Services, Inc.'s marketing and business development decreased by 5.4% year-over-year, from $294.5K to $278.5K.
What is the long-term trend for Citizens Financial Services, Inc.'s marketing and business development?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s marketing and business development has grown at a 8.2% compound annual growth rate (CAGR), from $952K to $1.11M.
What does marketing and business development mean?
Total costs incurred for promotional activities, brand awareness, and customer acquisition efforts. This metric reflects the company's investment in growth and its competitive strategy to attract new deposits or loan clients.