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Citizens Financial Services, Inc. CZFS AFS and Trading Securities - Unrealized Loss Position (<12 Months) Accumulated Loss

AFS and Trading Securities - Unrealized Loss Position (<12 Months) Accumulated Loss at other companies

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Greene County BancorpGCBC
9+200%

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:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions.

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 AFS and trading securities - unrealized loss position (<12 months) accumulated loss?
Citizens Financial Services, Inc. (CZFS) reported AFS and trading securities - unrealized loss position (<12 months) accumulated loss of 21 in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s AFS and trading securities - unrealized loss position (<12 months) accumulated loss?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s AFS and trading securities - unrealized loss position (<12 months) accumulated loss has grown at a 104.9% compound annual growth rate (CAGR), from 5 to 21.
What does AFS and trading securities - unrealized loss position (<12 months) accumulated loss mean?
This represents the aggregate unrealized loss for securities that have been in a loss position for less than twelve months. It provides insight into the recent impact of market interest rate changes on the bank's investment portfolio. Monitoring this helps investors distinguish between short-term market volatility and long-term structural credit issues.