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

Net gains (losses) on investments at other companies

Fulton Financial logo
Fulton FinancialFULT
$0+100%
CTB
Community Trust BancorpCTBI
$1.4M+840%
SB Financial Group logo
SB Financial GroupSBFG
$206K
Civista Bancshares logo
Civista BancsharesCIVB
$67.75K+7.5%
Greene County Bancorp logo
Greene County BancorpGCBC
-$43K-248%
CB Financial Services logo
CB Financial ServicesCBFV
$0

Other financials

Income statement

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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

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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$386.71M+44.7%
Enterprise value$741.31M+39.6%
P/E9.4×+1.0×
P/S3.3×+0.7×

Profitability

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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 us-gaap:EquitySecuritiesFvNiRealizedGainLoss.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479
Equity SecuritiesThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Net gains recognized in equity securities during the period$96$32$115$21
Less: Net gains realized on the sale of equity securities during the period----
Net unrealized gains$96$32$115$21

Cover / Front Matter

FAQ

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 Q2 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 -100.0% compound annual growth rate (CAGR), from -$247K to $0.
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.

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