What is Citizens Financial Services, Inc.'s with an allowance?

Citizens Financial Services, Inc. (CZFS) reported with an allowance of $75K in Q1 2026.

How has Citizens Financial Services, Inc.'s with an allowance changed year-over-year?

Citizens Financial Services, Inc.'s with an allowance decreased by 94.6% year-over-year, from $1.39M to $75K.

What is the long-term trend for Citizens Financial Services, Inc.'s with an allowance?

Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s with an allowance has grown at a -15.3% compound annual growth rate (CAGR), from $525K to $229K.

Citizens Financial Services, Inc. CZFS With an allowance

With an allowance at other companies

CTB

Community Trust BancorpCTBI

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Greene County BancorpGCBC

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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/S3×+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:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.

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 with an allowance?: Citizens Financial Services, Inc. (CZFS) reported with an allowance of $75K in Q1 2026.
How has Citizens Financial Services, Inc.'s with an allowance changed year-over-year?: Citizens Financial Services, Inc.'s with an allowance decreased by 94.6% year-over-year, from $1.39M to $75K.
What is the long-term trend for Citizens Financial Services, Inc.'s with an allowance?: Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s with an allowance has grown at a -15.3% compound annual growth rate (CAGR), from $525K to $229K.