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Citizens Financial Services, Inc. CZFS Financing Receivable Individually Evaluated For Impairment

Financing Receivable Individually Evaluated For Impairment at other companies

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$134.96M-5.9%
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Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$41.81M+79.9%
Chemung Financial logo
Chemung FinancialCHMG
$5.94M+19.3%

Other financials

Income statement

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Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

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Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$394.51M+56.6%
Enterprise value$749.1M+45.3%
P/E9.6×+1.6×
P/S3.3×+0.9×

Profitability

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Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026. Open the filing →

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479

FAQ

What is Citizens Financial Services, Inc.'s financing receivable individually evaluated for impairment?
Citizens Financial Services, Inc. (CZFS) reported financing receivable individually evaluated for impairment of $41.81M in Q2 2026.
How has Citizens Financial Services, Inc.'s financing receivable individually evaluated for impairment changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable individually evaluated for impairment increased by 79.9% year-over-year, from $23.23M to $41.81M.
What is the long-term trend for Citizens Financial Services, Inc.'s financing receivable individually evaluated for impairment?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s financing receivable individually evaluated for impairment has grown at a 17.6% compound annual growth rate (CAGR), from $17.28M to $38.94M.
What does financing receivable individually evaluated for impairment mean?
Financing Receivable Individually Evaluated For Impairment as reported by Citizens Financial Services, Inc. Common Stock.

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