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Citizens Financial Services, Inc. CZFS Stock-Based Comp

Stock-Based Comp at other companies

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$475K+17.9%
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$210K+14.1%
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Civista BancsharesCIVB
$213K-2.2%
FRA
Franklin Financial Services CorporationFRAF
$218K-22.4%
CB Financial Services logo
CB Financial ServicesCBFV
$262K+35.8%
Community Financial System logo
Community Financial SystemCBU
$2.76M+9.6%

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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

Profitability

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

Returns & leverage

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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:ShareBasedCompensation.

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
(in thousands)Year Ended December 31, 2025Year Ended December 31, 2024Year Ended December 31, 2023
Equity security (gains) losses, net(67)(145)144
Available for sale security (gains) losses, net--51
Earnings on bank owned life insurance(1,433)(1,684)(1,254)
Stock awards625412309
Originations of loans held for sale(153,519)(155,379)(87,323)
Proceeds from sales of loans held for sale155,948157,36590,782
Realized gains on loans sold(2,290)(2,316)(1,452)
Realized gains on sale of Braavo-(1,102)-

ITEM 8 - FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

FAQ

What is Citizens Financial Services, Inc.'s stock-based comp?
Citizens Financial Services, Inc. (CZFS) reported stock-based comp of $156.25K in Q4 2025.
How has Citizens Financial Services, Inc.'s stock-based comp changed year-over-year?
Citizens Financial Services, Inc.'s stock-based comp increased by 51.7% year-over-year, from $103K to $156.25K.
What is the long-term trend for Citizens Financial Services, Inc.'s stock-based comp?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s stock-based comp has grown at a 0.4% compound annual growth rate (CAGR), from $614K to $625K.
What does stock-based comp mean?
Total non-cash stock-based compensation expense for equity awards (RSUs, options, ESPP), added back to net income in cash flow reconciliation.

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