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Citizens Financial Services, Inc. CZFS Collateral Dependent Loans Estimated Selling Cost

Collateral Dependent Loans Estimated Selling Cost at other companies

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$22.24M-10.0%
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$184M+28.8%
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$49.15M+109%
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Independent Bank CorporationIBCP
$19.7M+272%
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Financial InstitutionsFISI
$50.29M+2.3%
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Northwest BancsharesNWBI
$41.14M+38.9%

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 czfs:CollateralDependentLoansEstimatedSellingCost.

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 collateral dependent loans estimated selling cost?
Citizens Financial Services, Inc. (CZFS) reported collateral dependent loans estimated selling cost of $906K in Q1 2026.
What does collateral dependent loans estimated selling cost mean?
This metric represents the projected costs associated with liquidating collateral held against impaired loans, such as legal fees, appraisal costs, and maintenance expenses. It serves as a critical indicator of the potential net recovery value for non-performing assets and helps assess the bank's exposure to credit risk. Monitoring these costs provides insight into the efficiency of the institution's workout processes and the quality of its collateral management.