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Citizens Financial Services, Inc. CZFS Mortgage Loans On Real Estate

Mortgage Loans On Real Estate at other companies

Home Bancorp logo
Home BancorpHBCP
$28.54M-14.8%
CTO Realty Growth logo
CTO Realty GrowthCTO
$80.71M-23.1%
UMH
UMH PropertiesUMH
$1B-9.1%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$7.77M-12.9%
EFC
Ellington Financial Inc.EFC
$16.62B+18.8%
Acadia Realty Trust logo
Acadia Realty TrustAKR
$154.43M+22.9%

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:MortgageLoansOnRealEstate.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s mortgage loans on real estate?
Citizens Financial Services, Inc. (CZFS) reported mortgage loans on real estate of $7.77M in Q4 2025.
How has Citizens Financial Services, Inc.'s mortgage loans on real estate changed year-over-year?
Citizens Financial Services, Inc.'s mortgage loans on real estate decreased by 12.9% year-over-year, from $8.93M to $7.77M.
What is the long-term trend for Citizens Financial Services, Inc.'s mortgage loans on real estate?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s mortgage loans on real estate has grown at a -14.4% compound annual growth rate (CAGR), from $16.94M to $7.77M.
What does mortgage loans on real estate mean?
This represents the aggregate carrying value of mortgage loans secured by real estate that are held on the bank's balance sheet. These loans constitute a core component of the bank's lending portfolio and primary interest-earning assets. Changes in this balance indicate the bank's appetite for real estate lending and its exposure to property market fluctuations.