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Citizens Financial Services, Inc. CZFS Federal Home Loan Bank Credit Enhancement For MPF Portfolio Losses

Federal Home Loan Bank Credit Enhancement For MPF Portfolio Losses at other companies

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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:FederalHomeLoanBankCreditEnhancementForMPFPortfolioLosses.

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 federal home loan bank credit enhancement for MPF portfolio losses?
Citizens Financial Services, Inc. (CZFS) reported federal home loan bank credit enhancement for MPF portfolio losses of $49.25K in Q4 2025.
How has Citizens Financial Services, Inc.'s federal home loan bank credit enhancement for MPF portfolio losses changed year-over-year?
Citizens Financial Services, Inc.'s federal home loan bank credit enhancement for MPF portfolio losses decreased by 14.0% year-over-year, from $57.25K to $49.25K.
What does federal home loan bank credit enhancement for MPF portfolio losses mean?
Represents the credit support provided by the Federal Home Loan Bank for the Mortgage Partnership Finance (MPF) program. This metric indicates the level of risk protection the bank receives against potential losses in its mortgage portfolio. It is a key indicator of the bank's risk mitigation strategy regarding residential mortgage lending.