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Citizens Financial Services, Inc. CZFS Proceeds from Life Insurance Policy

Proceeds from Life Insurance Policy at other companies

CTB
Community Trust BancorpCTBI
——
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
——
CVB Financial logo
CVB FinancialCVBF
——
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
——
Independent Bank Corp logo
Independent Bank CorpINDB
——

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:ProceedsFromLifeInsurancePolicies.

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 proceeds from life insurance policy?
Citizens Financial Services, Inc. (CZFS) reported proceeds from life insurance policy of $0 in Q1 2026.
How has Citizens Financial Services, Inc.'s proceeds from life insurance policy changed year-over-year?
Citizens Financial Services, Inc.'s proceeds from life insurance policy decreased by 100.0% year-over-year, from $108K to $0.
What does proceeds from life insurance policy mean?
Reflects cash received from the surrender or death benefit claims of bank-owned life insurance (BOLI) policies. These proceeds represent the realization of value from tax-advantaged corporate assets.