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

Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off 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/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:FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff.

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?
Citizens Financial Services, Inc. (CZFS) reported financing receivable allowance for credit loss and off balance sheet credit loss liability write off of $78K 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 changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable allowance for credit loss and off balance sheet credit loss liability write off decreased by 57.8% year-over-year, from $185K to $78K.
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?
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 has grown at a -7.4% compound annual growth rate (CAGR), from $1M to $858K.
What does financing receivable allowance for credit loss and off balance sheet credit loss liability write off mean?
Captures the aggregate write-offs associated with both on-balance sheet financing receivables and off-balance sheet credit loss liabilities. This provides a comprehensive view of total credit-related losses across all lending and commitment activities. It serves as a holistic measure of the bank's credit risk realization.