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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/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:ContractualObligation.

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 purchase obligation?
Citizens Financial Services, Inc. (CZFS) reported purchase obligation of $515.58M in Q4 2025.
How has Citizens Financial Services, Inc.'s purchase obligation changed year-over-year?
Citizens Financial Services, Inc.'s purchase obligation increased by 16.7% year-over-year, from $441.92M to $515.58M.
What is the long-term trend for Citizens Financial Services, Inc.'s purchase obligation?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s purchase obligation has grown at a 11.7% compound annual growth rate (CAGR), from $296.31M to $515.58M.
What does purchase obligation mean?
This represents the total value of legally binding, non-cancelable commitments to purchase goods or services in the future. It provides insight into the company's future cash outflows and operational dependencies. Monitoring these obligations helps investors understand the company's long-term expenditure commitments and potential liquidity requirements.