What is Citizens Financial Services, Inc.'s time deposits?

Citizens Financial Services, Inc. (CZFS) reported time deposits of $473.86M in Q4 2025.

How has Citizens Financial Services, Inc.'s time deposits changed year-over-year?

Citizens Financial Services, Inc.'s time deposits decreased by 9.2% year-over-year, from $521.8M to $473.86M.

What is the long-term trend for Citizens Financial Services, Inc.'s time deposits?

Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s time deposits has grown at a 4.4% compound annual growth rate (CAGR), from $381.19M to $473.86M.

Citizens Financial Services, Inc. CZFS Time Deposits

Time Deposits at other companies

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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

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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:TimeDeposits.

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 time deposits?: Citizens Financial Services, Inc. (CZFS) reported time deposits of $473.86M in Q4 2025.
How has Citizens Financial Services, Inc.'s time deposits changed year-over-year?: Citizens Financial Services, Inc.'s time deposits decreased by 9.2% year-over-year, from $521.8M to $473.86M.
What is the long-term trend for Citizens Financial Services, Inc.'s time deposits?: Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s time deposits has grown at a 4.4% compound annual growth rate (CAGR), from $381.19M to $473.86M.