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Citizens Financial Services, Inc. CZFS Change in derivative financial instruments

Change in derivative financial instruments at other companies

CTO Realty Growth logo
CTO Realty GrowthCTO
-$3.23M-330%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
-$345.5K-45.2%
Ashland logo
AshlandASH
$0-100%
Griffon logo
GriffonGFF
-$773K+29.3%
LBR
LB Pharmaceuticals Inc Common StockLBRX
$200K-74.0%
BankUnited logo
BankUnitedBKU
$272K-97.1%

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 us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent.

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 change in derivative financial instruments?
Citizens Financial Services, Inc. (CZFS) reported change in derivative financial instruments of -$345.5K in Q4 2025.
How has Citizens Financial Services, Inc.'s change in derivative financial instruments changed year-over-year?
Citizens Financial Services, Inc.'s change in derivative financial instruments decreased by 45.2% year-over-year, from -$238K to -$345.5K.
What is the long-term trend for Citizens Financial Services, Inc.'s change in derivative financial instruments?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s change in derivative financial instruments has grown at a 10.6% compound annual growth rate (CAGR), from -$1.13M to -$1.38M.
What does change in derivative financial instruments mean?
Captures the periodic change in the fair value of derivative financial instruments designated as hedges. This metric helps investors assess the bank's exposure to market fluctuations and the efficacy of its risk management programs.