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

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

TFS Financial logo
TFS FinancialTFSL
$104.85M+4.9%
Bank7 Corp. logo
Bank7 Corp.BSVN
$0
BK
BKBK
$322M-13.0%
Bank7 Corp. logo
Bank7 Corp.BSVN
$19.92M+6.9%
TFS Financial logo
TFS FinancialTFSL
$311K+11.1%
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
$0-100%

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:FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityExpensed.

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 expensed?
Citizens Financial Services, Inc. (CZFS) reported financing receivable allowance for credit loss and off balance sheet credit loss liability expensed of $500K in Q1 2026.
How has Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability expensed changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability expensed decreased by 20.0% year-over-year, from $625K to $500K.
What does financing receivable allowance for credit loss and off balance sheet credit loss liability expensed mean?
Captures the total expense recognized during the period related to credit loss allowances for both on-balance sheet loans and off-balance sheet credit commitments. This metric represents the total cost of credit risk provisioning charged to the income statement. It is a primary indicator of the bank's current credit risk appetite and economic environment assessment.