Skip to content

Citizens Financial Services, Inc. CZFS Short-Term Debt - Weighted-Average Interest Rate

Short-Term Debt - Weighted-Average Interest Rate at other companies

M&T Bank logo
M&T BankMTB
3.8%-0.6pp
Community Financial System logo
Community Financial SystemCBU
1.3%-1.1pp
Financial Institutions logo
Financial InstitutionsFISI
4%-0.7pp

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

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+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:ShortTermDebtWeightedAverageInterestRate.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s short-term debt - weighted-average interest rate.

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

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s short-term debt - weighted-average interest rate?
Citizens Financial Services, Inc. (CZFS) reported short-term debt - weighted-average interest rate of 4.3% in Q4 2025.
How has Citizens Financial Services, Inc.'s short-term debt - weighted-average interest rate changed year-over-year?
Citizens Financial Services, Inc.'s short-term debt - weighted-average interest rate decreased by 9.8% year-over-year, from 4.8% to 4.3%.
What is the long-term trend for Citizens Financial Services, Inc.'s short-term debt - weighted-average interest rate?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s short-term debt - weighted-average interest rate has grown at a 26.4% compound annual growth rate (CAGR), from 1.3% to 4.3%.
What does short-term debt - weighted-average interest rate mean?
This metric reflects the average interest rate paid on the company's short-term debt obligations, weighted by the principal amount of each instrument. It serves as a key indicator of the company's cost of short-term capital and its sensitivity to prevailing market interest rates.