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Citizens Financial Services, Inc. CZFS Gain on retained interest in Sandisk

Gain on retained interest in Sandisk at other companies

Community Financial System logo
Community Financial SystemCBU
-$401K-264%
HBT
HBT Financial, Inc.HBT
-$112K-1,500%
CTB
Community Trust BancorpCTBI
Independent Bank Corp logo
Independent Bank CorpINDB

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:EquitySecuritiesFvNiUnrealizedGainLoss.

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 gain on retained interest in sandisk?
Citizens Financial Services, Inc. (CZFS) reported gain on retained interest in sandisk of $19K in Q1 2026.
How has Citizens Financial Services, Inc.'s gain on retained interest in sandisk changed year-over-year?
Citizens Financial Services, Inc.'s gain on retained interest in sandisk increased by 272.7% year-over-year, from -$11K to $19K.
What is the long-term trend for Citizens Financial Services, Inc.'s gain on retained interest in sandisk?
Over 3 years (2021 to 2025), Citizens Financial Services, Inc.'s gain on retained interest in sandisk has grown at a -41.8% compound annual growth rate (CAGR), from $339K to $67K.
What does gain on retained interest in sandisk mean?
Represents the unrealized gains or losses on equity securities that are recorded directly in the income statement due to fair value accounting requirements. This metric highlights the impact of market price fluctuations on the bank's periodic earnings.