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Citizens Financial Services, Inc. CZFS Gross loans

Gross loans at other companies

M&T Bank logo
M&T BankMTB
$314M-40.1%
Fulton Financial logo
Fulton FinancialFULT
$23.9B+1.8%
Citizens & Northern logo
Citizens & NorthernCZNC
$2.38B+25.6%
CTB
Community Trust BancorpCTBI
$4.93B+7.6%
Civista Bancshares logo
Civista BancsharesCIVB
$3.19B+4.1%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$2.65B+3.9%

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:NotesReceivableNet.

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 gross loans?
Citizens Financial Services, Inc. (CZFS) reported gross loans of $2.28B in Q1 2026.
How has Citizens Financial Services, Inc.'s gross loans changed year-over-year?
Citizens Financial Services, Inc.'s gross loans decreased by 0.8% year-over-year, from $2.29B to $2.28B.
What is the long-term trend for Citizens Financial Services, Inc.'s gross loans?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s gross loans has grown at a 58.6% compound annual growth rate (CAGR), from $232.19M to $2.33B.
What does gross loans mean?
Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.