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Citizens Financial Services, Inc. CZFS Purchased Credit Deteriorated Loans

Purchased Credit Deteriorated Loans at other companies

Fulton Financial logo
Fulton FinancialFULT
CTB
Community Trust BancorpCTBI
Civista Bancshares logo
Civista BancsharesCIVB
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
Greene County Bancorp logo
Greene County BancorpGCBC
Financial Institutions logo
Financial InstitutionsFISI

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: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 purchased credit deteriorated loans?
Citizens Financial Services, Inc. (CZFS) reported purchased credit deteriorated loans of $2.28B in Q1 2026.
How has Citizens Financial Services, Inc.'s purchased credit deteriorated loans changed year-over-year?
Citizens Financial Services, Inc.'s purchased credit deteriorated 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 purchased credit deteriorated loans?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s purchased credit deteriorated loans has grown at a 58.6% compound annual growth rate (CAGR), from $232.19M to $2.33B.