What does number of full service banking offices mean?

Counts the total number of physical branches providing a comprehensive range of banking services to customers. This serves as a key indicator of the bank's market presence, distribution strategy, and physical operational overhead.

Citizens Financial Services, Inc. CZFS Number Of Full Service Banking Offices

Number Of Full Service Banking Offices at other companies

Center BancorpCNOB

58—

Home BancorpHBCP

430.0%

NEC

Northeast Community BancorpNECB

110.0%

WaFd, Inc.WAFD

208-0.5%

Hanmi FinancialHAFC

320.0%

Bank of Marin BancorpBMRC

80.0%

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/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 czfs:NumberOfFullServiceBankingOffices.

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 number of full service banking offices?: Citizens Financial Services, Inc. (CZFS) reported number of full service banking offices of 9.8 in Q4 2025.
What does number of full service banking offices mean?: Counts the total number of physical branches providing a comprehensive range of banking services to customers. This serves as a key indicator of the bank's market presence, distribution strategy, and physical operational overhead.