Skip to content

Citizens Financial Services, Inc. CZFS Allowance for Credit Losses - Receivable (Current)

Allowance for Credit Losses - Receivable (Current) at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
$21.78M+2.7%
Financial Institutions logo
Financial InstitutionsFISI
$44.66M-8.8%

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:FinancingReceivableAllowanceForCreditLosses.

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

Ask your AI about Citizens Financial Services, Inc.'s allowance for credit losses - receivable (current).

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 allowance for credit losses - receivable (current)?
Citizens Financial Services, Inc. (CZFS) reported allowance for credit losses - receivable (current) of $22.89M in Q1 2026.
How has Citizens Financial Services, Inc.'s allowance for credit losses - receivable (current) changed year-over-year?
Citizens Financial Services, Inc.'s allowance for credit losses - receivable (current) increased by 3.7% year-over-year, from $22.08M to $22.89M.
What is the long-term trend for Citizens Financial Services, Inc.'s allowance for credit losses - receivable (current)?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s allowance for credit losses - receivable (current) has grown at a 7.6% compound annual growth rate (CAGR), from $15.82M to $22.81M.
What does allowance for credit losses - receivable (current) mean?
This is a contra-asset account representing the estimated portion of the loan portfolio that the bank expects will not be collected due to borrower default. It is a critical indicator of credit risk management and the overall health of the loan book. A higher allowance relative to total loans suggests a more conservative approach to risk or a deteriorating economic environment.