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Citizens Financial Services, Inc. CZFS Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)

Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months) at other companies

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$8.73B+148%
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Greene County BancorpGCBC
$18.73M+7,391%
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Community Financial SystemCBU
$92.26M+54.5%
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Financial InstitutionsFISI
$335.67M
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Community Trust BancorpCTBI
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CNB FinancialCCNE

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:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position (<12 months)?
Citizens Financial Services, Inc. (CZFS) reported available-for-sale debt securities - unrealized loss position (<12 months) of $65.7M in Q1 2026.
How has Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position (<12 months) changed year-over-year?
Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position (<12 months) increased by 177.2% year-over-year, from $23.71M to $65.7M.
What is the long-term trend for Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position (<12 months)?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position (<12 months) has grown at a 4.7% compound annual growth rate (CAGR), from $33.73M to $42.5M.
What does available-for-sale debt securities - unrealized loss position (<12 months) mean?
This metric quantifies the volume of available-for-sale debt securities currently experiencing an unrealized loss for a duration of less than one year. It serves as a leading indicator of how recent market shifts are affecting the bank's asset valuation. This data point is essential for assessing the bank's sensitivity to near-term interest rate fluctuations.