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Citizens Financial Services, Inc. CZFS Financing Receivable Recorded Investment Total Past Due And Still Accruing

Financing Receivable Recorded Investment Total Past Due And Still Accruing at other companies

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$5.83B-4.1%

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 czfs:FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing.

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 recorded investment total past due and still accruing?
Citizens Financial Services, Inc. (CZFS) reported financing receivable recorded investment total past due and still accruing of $2.26B in Q1 2026.
What is the long-term trend for Citizens Financial Services, Inc.'s financing receivable recorded investment total past due and still accruing?
Over 4 years (2020 to 2025), Citizens Financial Services, Inc.'s financing receivable recorded investment total past due and still accruing has grown at a 372.9% compound annual growth rate (CAGR), from $4.65M to $2.32B.
What does financing receivable recorded investment total past due and still accruing mean?
This represents the total carrying amount of loans or financing receivables that are past their contractual due date but are still accruing interest income. It serves as a critical indicator of early-stage credit deterioration within the loan portfolio. Monitoring this metric helps assess the effectiveness of collection efforts and the potential for future non-accrual status.