Skip to content
Screener

Citizens Financial Services, Inc. CZFS Recoveries

Recoveries at other companies

CTB
Community Trust BancorpCTBI
$1.2M+1.7%
SB Financial Group logo
SB Financial GroupSBFG
$3K0.0%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.15M+42.8%

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$390.03M+44.7%
Enterprise value$744.63M+39.6%
P/E9.5×+1.0×
P/S3.3×+0.7×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479
Line itemAllowance for Credit Losses - LoansAllowance for Credit Losses - Off-Balance Sheet credit ExposureTotal
Balance at March 31, 2026$22,894$1,519$24,413
Loans charged-off(74)-(74)
Recoveries of loans previously charged-off161-161
Net loans recovered87-87
Provision for credit losses578(78)500
Balance at June 30, 2026$23,559$1,441$25,000
Balance at December 31, 2025$22,806$1,163$23,969
Loans charged-off(152)-(152)

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s recoveries?
Citizens Financial Services, Inc. (CZFS) reported recoveries of $161K in Q2 2026.
How has Citizens Financial Services, Inc.'s recoveries changed year-over-year?
Citizens Financial Services, Inc.'s recoveries increased by 544.0% year-over-year, from $25K to $161K.
What is the long-term trend for Citizens Financial Services, Inc.'s recoveries?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s recoveries has grown at a 10.8% compound annual growth rate (CAGR), from $62.75K to $77K.
What does recoveries mean?
Represents the amount of previously written-off loans that have been successfully collected or recovered during the period. This metric reflects the effectiveness of the bank's collection efforts and recovery processes. Higher recoveries can partially offset the impact of gross credit losses on the income statement.

Ask your AI about Citizens Financial Services, Inc.'s recoveries.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude