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

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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: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?
The amount of previously written-off loans that were subsequently recovered during the reporting period. High recovery rates can indicate effective collection efforts or conservative initial write-off policies.