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Citizens Financial Services, Inc. CZFS Loans held for sale

Loans held for sale at other companies

Fulton Financial logo
Fulton FinancialFULT
$11.89M-25.5%
CTB
Community Trust BancorpCTBI
$73K—
Civista Bancshares logo
Civista BancsharesCIVB
$6.94M+60.5%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$5.58M+139%
First Financial Bankshares logo
First Financial BanksharesFFIN
$22.98M+60.2%
Midland States Bancorp logo
Midland States BancorpMSBI
$6.71M-97.7%

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:LoansReceivableHeldForSaleAmount.

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?
Citizens Financial Services, Inc. (CZFS) reported loans held for sale of $5.87M in Q1 2026.
How has Citizens Financial Services, Inc.'s loans held for sale changed year-over-year?
Citizens Financial Services, Inc.'s loans held for sale decreased by 3.0% year-over-year, from $6.05M to $5.87M.
What is the long-term trend for Citizens Financial Services, Inc.'s loans held for sale?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s loans held for sale has grown at a -8.5% compound annual growth rate (CAGR), from $14.64M to $9.39M.
What does loans held for sale mean?
Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.