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Citizens Financial Services, Inc. CZFS Change in net unrealized gain (loss) on derivative instruments

Change in net unrealized gain (loss) on derivative instruments at other companies

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Midland States BancorpMSBI

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 net unrealized gain (loss) on derivative instruments?
Citizens Financial Services, Inc. (CZFS) reported change in net unrealized gain (loss) on derivative instruments of -$345.5K in Q4 2025.
How has Citizens Financial Services, Inc.'s change in net unrealized gain (loss) on derivative instruments changed year-over-year?
Citizens Financial Services, Inc.'s change in net unrealized gain (loss) on derivative 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 net unrealized gain (loss) on derivative instruments?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s change in net unrealized gain (loss) on derivative instruments has grown at a 10.6% compound annual growth rate (CAGR), from -$1.13M to -$1.38M.
What does change in net unrealized gain (loss) on derivative instruments mean?
The net change in the fair value of derivative instruments designated as cash flow hedges, recorded within other comprehensive income. This reflects the market-based volatility of the company's hedging instruments before they are realized in earnings.