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Citizens Financial Services, Inc. CZFS Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans

Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans at other companies

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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 czfs:NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans.

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 non accruing modified loans to borrowers experiencing financial difficulty number of loans?
Citizens Financial Services, Inc. (CZFS) reported non accruing modified loans to borrowers experiencing financial difficulty number of loans of 3 in Q1 2026.
How has Citizens Financial Services, Inc.'s non accruing modified loans to borrowers experiencing financial difficulty number of loans changed year-over-year?
Citizens Financial Services, Inc.'s non accruing modified loans to borrowers experiencing financial difficulty number of loans increased by 200.0% year-over-year, from 1 to 3.
What does non accruing modified loans to borrowers experiencing financial difficulty number of loans mean?
The number of loan accounts that have been modified due to borrower financial hardship and have been placed on non-accrual status. This reflects the count of highly distressed loans that are no longer generating reliable interest income.