What is Citizens Financial Services, Inc.'s impairment losses?

Citizens Financial Services, Inc. (CZFS) reported impairment losses of $0 in Q4 2025.

What does impairment losses mean?

The amount of impairment losses recognized on investments in affordable housing projects when the carrying value exceeds the recoverable amount. This serves as an indicator of the credit quality and performance of the company's community development investment portfolio.

Citizens Financial Services, Inc. CZFS Impairment losses

Impairment losses at other companies

Citizens Financial Services, Inc.CZFS

$0—

ProAssurancePRA

-$7K-105%

ATN InternationalATNI

$1.33M—

The Hanover Insurance GroupTHG

$2M—

NNN REITNNN

$10.68M+606%

FrontView REITFVR

$812K+89.7%

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:AffordableHousingProjectInvestmentWriteDownAmount.

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 impairment losses?: Citizens Financial Services, Inc. (CZFS) reported impairment losses of $0 in Q4 2025.
What does impairment losses mean?: The amount of impairment losses recognized on investments in affordable housing projects when the carrying value exceeds the recoverable amount. This serves as an indicator of the credit quality and performance of the company's community development investment portfolio.