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Citizens Financial Services, Inc. CZFS Net Affordable Housing Tax Unfunded Commitments

Net Affordable Housing Tax Unfunded Commitments at other companies

Hope Bancorp logo
Hope BancorpHOPE
$0
Stock Yards Bancorp logo
Stock Yards BancorpSYBT
$0-100%
First Citizens BancShares logo
First Citizens BancSharesFCNCA
$0-100%
Independent Bank Corp logo
Independent Bank CorpINDB
$0-100%
First Community Corporation logo
First Community CorporationFCCO
$113K+9.7%
BK
BKBK
$871M-0.5%

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:NetAffordableHousingTaxUnfundedCommitments.

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 net affordable housing tax unfunded commitments?
Citizens Financial Services, Inc. (CZFS) reported net affordable housing tax unfunded commitments of $1.54M in Q4 2025.
What does net affordable housing tax unfunded commitments mean?
This represents the remaining contractual obligations to fund future affordable housing projects. It indicates the bank's future capital requirements for its community development investment program. Monitoring this helps investors understand the bank's long-term capital deployment pipeline for tax-advantaged investments.