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Citizens Financial Services, Inc. CZFS Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis

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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:AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis.

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 amortized cost basis?
Citizens Financial Services, Inc. (CZFS) reported accruing modified loans to borrowers experiencing financial difficulty amortized cost basis of $2.21M in Q1 2026.
How has Citizens Financial Services, Inc.'s accruing modified loans to borrowers experiencing financial difficulty amortized cost basis changed year-over-year?
Citizens Financial Services, Inc.'s accruing modified loans to borrowers experiencing financial difficulty amortized cost basis decreased by 34.9% year-over-year, from $3.39M to $2.21M.
What is the long-term trend for Citizens Financial Services, Inc.'s accruing modified loans to borrowers experiencing financial difficulty amortized cost basis?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s accruing modified loans to borrowers experiencing financial difficulty amortized cost basis has grown at a 129.9% compound annual growth rate (CAGR), from $641.5K to $3.39M.
What does accruing modified loans to borrowers experiencing financial difficulty amortized cost basis mean?
The total amortized cost basis of loans modified for borrowers experiencing financial difficulty that continue to accrue interest. This provides a measure of the financial exposure to restructured but performing credit assets.