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Citizens Financial Services, Inc. CZFS Holding Of Collateral Aggregate Fair Value

Holding Of Collateral Aggregate Fair Value at other companies

Dime Community Bancshares
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Dime Community Bancshares DCOM
$280.2M
NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$216.6M
BK
BKBK
$1.95B+128%
American International Group logo
American International GroupAIG
$298M-27.7%
U.S. Bancorp logo
U.S. BancorpUSB
$2.3B+64.3%
PNC Financial Services logo
PNC Financial ServicesPNC
$800M-27.3%

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:HoldingOfCollateralAggregateFairValue.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s holding of collateral aggregate fair value?
Citizens Financial Services, Inc. (CZFS) reported holding of collateral aggregate fair value of $3.32M in Q4 2025.
What is the long-term trend for Citizens Financial Services, Inc.'s holding of collateral aggregate fair value?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s holding of collateral aggregate fair value has grown at a -44.8% compound annual growth rate (CAGR), from $10.9M to $3.32M.
What does holding of collateral aggregate fair value mean?
This metric represents the total estimated market value of assets pledged by borrowers to secure loans held by the institution. It serves as a critical indicator of the credit risk mitigation coverage available to the bank in the event of borrower default. Monitoring this value helps stakeholders assess the quality and adequacy of the underlying security supporting the bank's loan portfolio.