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Citizens Financial Services, Inc. CZFS Number of operating segments

Number of operating segments at other companies

M&T Bank logo
M&T BankMTB
——
CNB Financial logo
CNB FinancialCCNE
——
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
——

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:NumberOfOperatingSegments.

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 operating segments?
Citizens Financial Services, Inc. (CZFS) reported number of operating segments of 0.3 in Q4 2025.
What does number of operating segments mean?
The total count of distinct business units or segments for which the company reports financial information. This reflects the organizational structure and the diversity of the company's business activities, such as different banking services or geographic markets.