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Citizens Financial Services, Inc. CZFS Non Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Amortized Cost Basis

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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/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:NonAccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyAmortizedCostBasis.

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 amortized cost basis?
Citizens Financial Services, Inc. (CZFS) reported non accruing modified loans to borrowers experiencing financial difficulty amortized cost basis of $6.07M in Q1 2026.
How has Citizens Financial Services, Inc.'s non accruing modified loans to borrowers experiencing financial difficulty amortized cost basis changed year-over-year?
Citizens Financial Services, Inc.'s non accruing modified loans to borrowers experiencing financial difficulty amortized cost basis increased by 3093.7% year-over-year, from $190K to $6.07M.
What does non accruing modified loans to borrowers experiencing financial difficulty amortized cost basis mean?
The total amortized cost basis of loans modified for borrowers experiencing financial difficulty that are currently on non-accrual status. This metric quantifies the potential credit loss exposure from the most distressed segment of the loan portfolio.