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Citizens Financial Services, Inc. CZFS Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

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Midland States BancorpMSBI
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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:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

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 accretion (amortization) of discounts and premiums, investments?
Citizens Financial Services, Inc. (CZFS) reported accretion (amortization) of discounts and premiums, investments of -$71K in Q1 2026.
How has Citizens Financial Services, Inc.'s accretion (amortization) of discounts and premiums, investments changed year-over-year?
Citizens Financial Services, Inc.'s accretion (amortization) of discounts and premiums, investments increased by 67.3% year-over-year, from -$217K to -$71K.
What does accretion (amortization) of discounts and premiums, investments mean?
The periodic adjustment to the carrying value of investment securities to account for the amortization of premiums or the accretion of discounts. This process aligns the effective yield of the investment portfolio with the stated interest income over the holding period.