What is the long-term trend for Citizens Financial Services, Inc.'s net gains (losses) on investments?

Over 2 years (2022 to 2025), Citizens Financial Services, Inc.'s net gains (losses) on investments has grown at a -70.8% compound annual growth rate (CAGR), from -$247K to $21K.

What does net gains (losses) on investments mean?

Realized and unrealized gains/losses on investments removed from operating cash flow since they're investing-related.

Citizens Financial Services, Inc. CZFS Net gains (losses) on investments

Net gains (losses) on investments at other companies

Fulton FinancialFULT

$0+100%

CTB

Community Trust BancorpCTBI

-$488K-202%

Civista BancsharesCIVB

$67.75K+7.5%

Greene County BancorpGCBC

-$43K-248%

Community Financial SystemCBU

-$401K-264%

Midland States BancorpMSBI

-$1.73M—

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

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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/S3×+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:EquitySecuritiesFvNiRealizedGainLoss.

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 net gains (losses) on investments?: Citizens Financial Services, Inc. (CZFS) reported net gains (losses) on investments of $0 in Q1 2026.
What is the long-term trend for Citizens Financial Services, Inc.'s net gains (losses) on investments?: Over 2 years (2022 to 2025), Citizens Financial Services, Inc.'s net gains (losses) on investments has grown at a -70.8% compound annual growth rate (CAGR), from -$247K to $21K.
What does net gains (losses) on investments mean?: Realized and unrealized gains/losses on investments removed from operating cash flow since they're investing-related.