Skip to content
Screener

Citizens Financial Services, Inc. CZFS Sales & Marketing

Sales & Marketing at other companies

M&T Bank logo
M&T BankMTB
$27M+8.0%
Fulton Financial logo
Fulton FinancialFULT
$2.33M-7.5%
CTB
Community Trust BancorpCTBI
$841K+9.9%
SB Financial Group logo
SB Financial GroupSBFG
$255K+34.2%
Civista Bancshares logo
Civista BancsharesCIVB
$542K+87.5%
FRA
Franklin Financial Services CorporationFRAF
$362K+2.5%

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
P/S3.3×+0.7×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:MarketingAndAdvertisingExpense.

The source filing: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026.

Filed
Mar 12, 2026, 6:04 AM EDT
Fiscal year
FY2025
Accession
0001140361-26-009103

Advertising and promotion costs are generally expensed as incurred and amounted to $1,114,000, $1,178,000 and $952,000 for the years ended December 31, 2025, 2024 and 2023, respectively.

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s sales & marketing?
Citizens Financial Services, Inc. (CZFS) reported sales & marketing of $278.5K in Q4 2025.
How has Citizens Financial Services, Inc.'s sales & marketing changed year-over-year?
Citizens Financial Services, Inc.'s sales & marketing decreased by 5.4% year-over-year, from $294.5K to $278.5K.
What is the long-term trend for Citizens Financial Services, Inc.'s sales & marketing?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s sales & marketing has grown at a 8.2% compound annual growth rate (CAGR), from $952K to $1.11M.
What does sales & marketing mean?
Costs of selling products and services including sales force compensation, commissions, marketing campaigns, trade shows, and customer acquisition expenses.

Ask your AI about Citizens Financial Services, Inc.'s sales & marketing.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude