Skip to content
OpenCapital
Get started

Citizens Financial Services, Inc. CZFS Financing Receivable Recorded Investment Non Performing Loans

Financing Receivable Recorded Investment Non Performing Loans at other companies

Norwood Financial logo
Norwood FinancialNWFL
$10.3M+29.5%
ACNB logo
ACNBACNB
$9.59M-4.6%
Peapack-Gladstone Financial logo
Peapack-Gladstone FinancialPGC
$59.32M-39.0%
Paccar logo
PaccarPCAR
$516.2M+72.9%
National Bank Holdings logo
National Bank HoldingsNBHC
$78.47M+49.1%
Stifel Financial logo
Stifel FinancialSF
$105.99M-34.1%

Other financials

Income statement

See full
Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

See full
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

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S3×+0.3×

Profitability

See full
Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

See full
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:FinancingReceivableRecordedInvestmentNonPerformingLoans.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s financing receivable recorded investment non performing loans.

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

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s financing receivable recorded investment non performing loans?
Citizens Financial Services, Inc. (CZFS) reported financing receivable recorded investment non performing loans of $37.75M in Q1 2026.
How has Citizens Financial Services, Inc.'s financing receivable recorded investment non performing loans changed year-over-year?
Citizens Financial Services, Inc.'s financing receivable recorded investment non performing loans increased by 51.4% year-over-year, from $24.94M to $37.75M.
What is the long-term trend for Citizens Financial Services, Inc.'s financing receivable recorded investment non performing loans?
Over 3 years (2022 to 2025), Citizens Financial Services, Inc.'s financing receivable recorded investment non performing loans has grown at a 56.9% compound annual growth rate (CAGR), from $6.95M to $26.83M.
What does financing receivable recorded investment non performing loans mean?
This represents the total recorded investment in loans that are classified as non-performing, meaning the bank no longer expects to collect the full contractual interest and principal. It is a primary measure of the bank's exposure to bad debt and asset quality degradation. Investors monitor this to gauge the potential impact of credit losses on future earnings.