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Citizens Financial Services, Inc. CZFS Allowance for unfunded lending related commitments

Allowance for unfunded lending related commitments at other companies

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$660K-19.5%

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:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther.

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 allowance for unfunded lending related commitments?
Citizens Financial Services, Inc. (CZFS) reported allowance for unfunded lending related commitments of $684K in Q4 2025.
How has Citizens Financial Services, Inc.'s allowance for unfunded lending related commitments changed year-over-year?
Citizens Financial Services, Inc.'s allowance for unfunded lending related commitments increased by 0.3% year-over-year, from $682K to $684K.
What is the long-term trend for Citizens Financial Services, Inc.'s allowance for unfunded lending related commitments?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s allowance for unfunded lending related commitments has grown at a 6.9% compound annual growth rate (CAGR), from $489K to $684K.