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Loans 90+ Days Past Due at other companies

M&T Bank logo
M&T BankMTB
$1.24B-19.5%
Greene County Bancorp logo
Greene County BancorpGCBC
$0
Financial Institutions logo
Financial InstitutionsFISI
$38.46M-3.8%
CTB
Community Trust BancorpCTBI
CNB Financial logo
CNB FinancialCCNE
Independent Bank Corp logo
Independent Bank CorpINDB

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:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.

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 loans 90+ days past due?
Citizens Financial Services, Inc. (CZFS) reported loans 90+ days past due of $75K in Q1 2026.
How has Citizens Financial Services, Inc.'s loans 90+ days past due changed year-over-year?
Citizens Financial Services, Inc.'s loans 90+ days past due decreased by 94.6% year-over-year, from $1.39M to $75K.
What is the long-term trend for Citizens Financial Services, Inc.'s loans 90+ days past due?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s loans 90+ days past due has grown at a -15.3% compound annual growth rate (CAGR), from $525K to $229K.
What does loans 90+ days past due mean?
This metric measures the total principal balance of loans that are 90 days or more past their scheduled payment date but are still classified as performing. It serves as an early warning indicator of potential credit defaults and portfolio stress. High levels of 90-day delinquencies often precede nonaccrual status and potential charge-offs.