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Citizens Financial Services, Inc. CZFS Payments To Acquire Federal Home Loan Bank Stock

Payments To Acquire Federal Home Loan Bank Stock at other companies

CTB
Community Trust BancorpCTBI
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Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
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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:PaymentsToAcquireFederalHomeLoanBankStock.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s payments to acquire federal home loan bank stock?
Citizens Financial Services, Inc. (CZFS) reported payments to acquire federal home loan bank stock of $7.42M in Q1 2026.
How has Citizens Financial Services, Inc.'s payments to acquire federal home loan bank stock changed year-over-year?
Citizens Financial Services, Inc.'s payments to acquire federal home loan bank stock decreased by 17.1% year-over-year, from $8.95M to $7.42M.
What does payments to acquire federal home loan bank stock mean?
Represents the cash outflows required to purchase or increase the bank's investment in Federal Home Loan Bank (FHLB) stock. This investment is generally required to maintain access to FHLB advances and credit facilities. An increase in this metric typically signals an expansion of the bank's reliance on FHLB wholesale funding.