What does shortterm debt average outstanding amount mean?

The average balance of short-term debt obligations held throughout the reporting period. This metric reflects the institution's reliance on short-term funding markets to manage day-to-day liquidity and working capital requirements.

Citizens Financial Services, Inc. CZFS Shortterm Debt Average Outstanding Amount

Shortterm Debt Average Outstanding Amount at other companies

PopularBPOP

$374.73M+4,360%

Citizens Financial Services, Inc.CZFS

$326.03M+0.8%

Norwood FinancialNWFL

$18.17M-66.9%

Great Southern BancorpGSBC

$386.7M-10.9%

AdientADNT

3.7%-1.7pp

OGS

ONE GASOGS

4.1%-0.5pp

Other financials

Income statement

See full

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

See full

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

See full

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:ShorttermDebtAverageOutstandingAmount.

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 shortterm debt average outstanding amount?: Citizens Financial Services, Inc. (CZFS) reported shortterm debt average outstanding amount of $326.03M in Q4 2025.
What does shortterm debt average outstanding amount mean?: The average balance of short-term debt obligations held throughout the reporting period. This metric reflects the institution's reliance on short-term funding markets to manage day-to-day liquidity and working capital requirements.