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Citizens Financial Services, Inc. CZFS Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery

Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery at other companies

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Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$56K-64.1%
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$21.1M-1.4%

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 us-gaap:FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery.

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, writeoff, after recovery?
Citizens Financial Services, Inc. (CZFS) reported financing receivable, allowance for credit loss, writeoff, after recovery of $56K in Q1 2026.
How has Citizens Financial Services, Inc.'s financing receivable, allowance for credit loss, writeoff, after recovery changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable, allowance for credit loss, writeoff, 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, writeoff, after recovery?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s financing receivable, allowance for credit loss, writeoff, after recovery has grown at a -21.9% compound annual growth rate (CAGR), from $1.28M to $781K.
What does financing receivable, allowance for credit loss, writeoff, after recovery mean?
Calculates the net amount of loan write-offs after accounting for any recoveries collected during the period. This provides a clearer picture of the actual economic loss incurred by the bank from its lending activities. It is a standard measure for assessing the net impact of credit quality issues on the bank's capital.