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

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

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$104.85M+4.9%
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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/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:FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery.

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 write off after recovery?
Citizens Financial Services, Inc. (CZFS) reported financing receivable allowance for credit loss and off balance sheet credit loss liability write off after recovery of $56K in Q1 2026.
How has Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability write off after recovery changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability write off after recovery decreased by 64.1% year-over-year, from $156K to $56K.
What is the long-term trend for Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability write off after recovery?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability write off after recovery has grown at a -10.8% compound annual growth rate (CAGR), from $982K to $781K.
What does financing receivable allowance for credit loss and off balance sheet credit loss liability write off after recovery mean?
Represents the net credit loss impact after subtracting recoveries from the total write-offs of both on-balance sheet loans and off-balance sheet credit loss liabilities. This metric provides a comprehensive net loss figure for all credit-related exposures. It is essential for evaluating the true cost of credit risk management.