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Citizens Financial Services, Inc. CZFS Loans held for sale activity

Loans held for sale activity at other companies

M&T Bank logo
M&T BankMTB
-$220M-38.4%
Citizens & Northern logo
Citizens & NorthernCZNC
$14.96M+172%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$23.83M+83.9%
First Financial Bankshares logo
First Financial BanksharesFFIN
-$7.01M-219%
Midland States Bancorp logo
Midland States BancorpMSBI
$27.19M+52.5%
CNB Financial logo
CNB FinancialCCNE
$7.78M+173%

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/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:PaymentsForOriginationOfMortgageLoansHeldForSale.

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 loans held for sale activity?
Citizens Financial Services, Inc. (CZFS) reported loans held for sale activity of $25.29M in Q1 2026.
How has Citizens Financial Services, Inc.'s loans held for sale activity changed year-over-year?
Citizens Financial Services, Inc.'s loans held for sale activity decreased by 0.9% year-over-year, from $25.53M to $25.29M.
What is the long-term trend for Citizens Financial Services, Inc.'s loans held for sale activity?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s loans held for sale activity has grown at a 36.2% compound annual growth rate (CAGR), from $44.67M to $153.52M.
What does loans held for sale activity mean?
Net change in mortgage and other loans originated for sale into the secondary market.