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Citizens Financial Services, Inc. CZFS Financing Receivable Nonaccrual With Allowance For Credit Loss

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Other financials

Income statement

See full
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

See full
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$395.71M+57.0%
Enterprise value$750.3M+45.5%
P/E9.6×+1.7×
P/S3.4×+1.0×

Profitability

See full
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 czfs:FinancingReceivableNonaccrualWithAllowanceForCreditLoss.

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 nonaccrual with allowance for credit loss?
Citizens Financial Services, Inc. (CZFS) reported financing receivable nonaccrual with allowance for credit loss of $14.11M in Q2 2026.
How has Citizens Financial Services, Inc.'s financing receivable nonaccrual with allowance for credit loss changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable nonaccrual with allowance for credit loss increased by 308.1% year-over-year, from $3.46M to $14.11M.
What is the long-term trend for Citizens Financial Services, Inc.'s financing receivable nonaccrual with allowance for credit loss?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s financing receivable nonaccrual with allowance for credit loss has grown at a 14.1% compound annual growth rate (CAGR), from $6.94M to $10.3M.
What does financing receivable nonaccrual with allowance for credit loss mean?
Financing Receivable Nonaccrual With Allowance For Credit Loss as reported by Citizens Financial Services, Inc. Common Stock.

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