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Citizens Financial Services, Inc. CZFS Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans

Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans at other companies

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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 czfs:AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans.

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 accruing modified loans to borrowers experiencing financial difficulty number of loans?
Citizens Financial Services, Inc. (CZFS) reported accruing modified loans to borrowers experiencing financial difficulty number of loans of 1 in Q1 2026.
How has Citizens Financial Services, Inc.'s accruing modified loans to borrowers experiencing financial difficulty number of loans changed year-over-year?
Citizens Financial Services, Inc.'s accruing modified loans to borrowers experiencing financial difficulty number of loans decreased by 55.6% year-over-year, from 2.3 to 1.
What does accruing modified loans to borrowers experiencing financial difficulty number of loans mean?
The total count of loan agreements that have been modified due to borrower financial distress but remain in accrual status. This indicates the volume of troubled assets that are still performing according to their restructured terms.