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Citizens Financial Services, Inc. CZFS Available-for-Sale Debt Securities - Unrealized Loss Position

Available-for-Sale Debt Securities - Unrealized Loss Position at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
$16.66M-20.3%
Community Financial System logo
Community Financial SystemCBU
$285.02M-19.9%
Financial Institutions logo
Financial InstitutionsFISI
$49.25M—
M&T Bank logo
M&T BankMTB
——
CTB
Community Trust BancorpCTBI
——
CNB Financial logo
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/S3×+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:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss.

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?
Citizens Financial Services, Inc. (CZFS) reported available-for-sale debt securities - unrealized loss position of $22.47M in Q1 2026.
How has Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position changed year-over-year?
Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position decreased by 24.2% year-over-year, from $29.63M to $22.47M.
What is the long-term trend for Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s available-for-sale debt securities - unrealized loss position has grown at a 142.8% compound annual growth rate (CAGR), from $244K to $20.59M.
What does available-for-sale debt securities - unrealized loss position mean?
This represents the total fair value of all available-for-sale debt securities that are currently trading below their amortized cost. It provides a comprehensive view of the bank's exposure to assets that are currently underperforming relative to their book value. Investors use this to gauge the overall health and risk profile of the investment securities portfolio.