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Citizens Financial Services, Inc. CZFS Impaired Financing Receivable with No Related Allowance - Unpaid Principal Balance

Impaired Financing Receivable with No Related Allowance - Unpaid Principal Balance at other companies

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Financial InstitutionsFISI
$38.1M+27.2%
CTB
Community Trust BancorpCTBI
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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:FinancingReceivableNonaccrualNoAllowance.

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 impaired financing receivable with no related allowance - unpaid principal balance?
Citizens Financial Services, Inc. (CZFS) reported impaired financing receivable with no related allowance - unpaid principal balance of $26.8M in Q1 2026.
How has Citizens Financial Services, Inc.'s impaired financing receivable with no related allowance - unpaid principal balance changed year-over-year?
Citizens Financial Services, Inc.'s impaired financing receivable with no related allowance - unpaid principal balance increased by 36.6% year-over-year, from $19.62M to $26.8M.
What is the long-term trend for Citizens Financial Services, Inc.'s impaired financing receivable with no related allowance - unpaid principal balance?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s impaired financing receivable with no related allowance - unpaid principal balance has grown at a 44.7% compound annual growth rate (CAGR), from $7.79M to $16.3M.
What does impaired financing receivable with no related allowance - unpaid principal balance mean?
This represents the unpaid principal balance of loans that are individually evaluated for impairment but do not currently require a specific allowance for credit losses. This typically occurs when the collateral value or expected cash flows are sufficient to cover the outstanding balance despite the impairment status. It provides insight into the bank's collateral coverage for troubled assets.