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Citizens Financial Services, Inc. CZFS Amortization Of Deferred Loan Origination Fees Net

Amortization Of Deferred Loan Origination Fees Net at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
-$127K-53.0%
CNB Financial logo
CNB FinancialCCNE
$4.58M+185%
Civista Bancshares logo
Civista BancsharesCIVB

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:AmortizationOfDeferredLoanOriginationFeesNet.

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 amortization of deferred loan origination fees net?
Citizens Financial Services, Inc. (CZFS) reported amortization of deferred loan origination fees net of $884K in Q1 2026.
How has Citizens Financial Services, Inc.'s amortization of deferred loan origination fees net changed year-over-year?
Citizens Financial Services, Inc.'s amortization of deferred loan origination fees net increased by 11.5% year-over-year, from $793K to $884K.
What is the long-term trend for Citizens Financial Services, Inc.'s amortization of deferred loan origination fees net?
Over 4 years (2021 to 2025), Citizens Financial Services, Inc.'s amortization of deferred loan origination fees net has grown at a -4.3% compound annual growth rate (CAGR), from $4.54M to $3.81M.
What does amortization of deferred loan origination fees net mean?
The net impact of amortizing deferred fees and costs associated with originating loans over the expected life of the loan portfolio. This adjustment is necessary to align the recognition of interest income with the effective interest method under accounting standards.