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Foreclosed Assets at other companies

Citizens & Northern logo
Citizens & NorthernCZNC
$181K-9.0%
CTB
Community Trust BancorpCTBI
$26K-99.5%
Midland States Bancorp logo
Midland States BancorpMSBI
$514K-87.7%
Financial Institutions logo
Financial InstitutionsFISI
$94K+56.7%
HBT
HBT Financial, Inc.HBT
$1.15M+150%

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:OtherRealEstateAndForeclosedAssets.

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 foreclosed assets?
Citizens Financial Services, Inc. (CZFS) reported foreclosed assets of $2.36M in Q1 2026.
How has Citizens Financial Services, Inc.'s foreclosed assets changed year-over-year?
Citizens Financial Services, Inc.'s foreclosed assets decreased by 7.3% year-over-year, from $2.54M to $2.36M.
What is the long-term trend for Citizens Financial Services, Inc.'s foreclosed assets?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s foreclosed assets has grown at a 5.1% compound annual growth rate (CAGR), from $1.84M to $2.36M.
What does foreclosed assets mean?
This represents the carrying value of real estate or other collateral acquired by the bank through the foreclosure process or in full or partial satisfaction of a debt. These assets are typically held for sale and represent the realization of credit losses on non-performing loans. High levels of foreclosed assets indicate elevated credit risk and potential future impairment charges.