What does number of mortgage centers acquired mean?

Tracks the number of specialized mortgage lending facilities or business units acquired by the institution. This metric highlights inorganic growth strategies focused on expanding market share within the residential lending sector.

Citizens Financial Services, Inc. CZFS Number Of Mortgage Centers Acquired

Number Of Mortgage Centers Acquired at other companies

Norwood FinancialNWFL

30.0%

CNB FinancialCCNE

$341K+255%

Community Financial SystemCBU

$1.1M+10.2%

Starwood Property TrustSTWD

$1.67B+93.7%

PNC Financial ServicesPNC

$118M-11.9%

ValvolineVVV

6—

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:NumberOfMortgageCentersAcquired.

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 mortgage centers acquired?: Citizens Financial Services, Inc. (CZFS) reported number of mortgage centers acquired of 0.5 in Q4 2025.
What does number of mortgage centers acquired mean?: Tracks the number of specialized mortgage lending facilities or business units acquired by the institution. This metric highlights inorganic growth strategies focused on expanding market share within the residential lending sector.