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Citizens Financial Services, Inc. CZFS Financing Receivable Allowance For Credit Losses Recovery

Financing Receivable Allowance For Credit Losses Recovery at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
$33K-19.5%
CTB
Community Trust BancorpCTBI

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:FinancingReceivableAllowanceForCreditLossesRecovery.

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 losses recovery?
Citizens Financial Services, Inc. (CZFS) reported financing receivable allowance for credit losses recovery of $22K in Q1 2026.
How has Citizens Financial Services, Inc.'s financing receivable allowance for credit losses recovery changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable allowance for credit losses recovery decreased by 24.1% year-over-year, from $29K to $22K.
What is the long-term trend for Citizens Financial Services, Inc.'s financing receivable allowance for credit losses recovery?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s financing receivable allowance for credit losses recovery has grown at a 25.4% compound annual growth rate (CAGR), from $49K to $77K.
What does financing receivable allowance for credit losses recovery 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.