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Citizens Financial Services, Inc. CZFS Amount available for dividend payments to parent company without prior regulatory approval

Amount available for dividend payments to parent company without prior regulatory approval at other companies

Norwood Financial logo
Norwood FinancialNWFL
$16M+841%
ACNB logo
ACNBACNB
$55.5M+6.9%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$31.72M+50.3%
Bank7 Corp. logo
Bank7 Corp.BSVN
$84.1M+25.7%
Wintrust Financial logo
Wintrust FinancialWTFC
$929.8M-0.3%
Ally Financial logo
Ally FinancialALLY
$112M-3.4%

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/S+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:StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApproval.

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 amount available for dividend payments to parent company without prior regulatory approval?
Citizens Financial Services, Inc. (CZFS) reported amount available for dividend payments to parent company without prior regulatory approval of $31.72M in Q4 2025.
How has Citizens Financial Services, Inc.'s amount available for dividend payments to parent company without prior regulatory approval changed year-over-year?
Citizens Financial Services, Inc.'s amount available for dividend payments to parent company without prior regulatory approval increased by 50.3% year-over-year, from $21.11M to $31.72M.
What is the long-term trend for Citizens Financial Services, Inc.'s amount available for dividend payments to parent company without prior regulatory approval?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s amount available for dividend payments to parent company without prior regulatory approval has grown at a 9.0% compound annual growth rate (CAGR), from $20.6M to $31.72M.
What does amount available for dividend payments to parent company without prior regulatory approval mean?
This represents the portion of a subsidiary's retained earnings or capital that can be distributed to the parent company as dividends without requiring prior regulatory approval. It serves as a key indicator of liquidity and the parent company's ability to access capital from its banking operations. High availability provides greater financial flexibility for the parent entity.