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Citizens Financial Services, Inc. CZFS Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery

Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$22K-24.1%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$22K-24.1%
Greene County Bancorp logo
Greene County BancorpGCBC
$33K-19.5%
Popular logo
PopularBPOP
$22.14M-14.7%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$1.16M+14.6%
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
$300K+235%

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:FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery.

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 financing receivable allowance for credit loss and off balance sheet credit loss liability recovery?
Citizens Financial Services, Inc. (CZFS) reported financing receivable allowance for credit loss and off balance sheet credit loss liability recovery of $22K in Q1 2026.
How has Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability recovery changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability recovery decreased by 24.1% year-over-year, from $29K to $22K.
What does financing receivable allowance for credit loss and off balance sheet credit loss liability recovery mean?
Measures the total recoveries of previously written-off amounts across both on-balance sheet loans and off-balance sheet credit commitments. This metric highlights the bank's ability to recoup losses from distressed assets or previously reserved credit exposures. It is an indicator of the recovery performance of the total credit portfolio.