How has Citizens Financial Services, Inc.'s financing receivables changed year-over-year?

Citizens Financial Services, Inc.'s financing receivables 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 financing receivables?

Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s financing receivables has grown at a 58.6% compound annual growth rate (CAGR), from $232.19M to $2.33B.

Citizens Financial Services, Inc. CZFS Financing Receivables

Financing Receivables at other companies

M&T BankMTB

$139.91B+4.0%

Fulton FinancialFULT

——

CTB

Community Trust BancorpCTBI

——

Civista BancsharesCIVB

——

Farmers & Merchants BancorpFMAO

——

Greene County BancorpGCBC

——

Other financials

Income statement

See full

Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

See full

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

See full

Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation

See full

Market cap$341.1M+26.0%

Enterprise value$506.74M-5.4%

P/E8.7×-0.9×

P/S3×+0.3×

Profitability

See full

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

See full

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 →

Ask your AI about Citizens Financial Services, Inc.'s financing receivables.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

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