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Citizens Financial Services, Inc. CZFS Net unrealized gains (losses) on securities still held

Net unrealized gains (losses) on securities still held at other companies

Greene County Bancorp logo
Greene County BancorpGCBC
-$263K-110%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
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:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax.

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 net unrealized gains (losses) on securities still held?
Citizens Financial Services, Inc. (CZFS) reported net unrealized gains (losses) on securities still held of $3.13M in Q4 2025.
How has Citizens Financial Services, Inc.'s net unrealized gains (losses) on securities still held changed year-over-year?
Citizens Financial Services, Inc.'s net unrealized gains (losses) on securities still held increased by 647.8% year-over-year, from $418.5K to $3.13M.
What is the long-term trend for Citizens Financial Services, Inc.'s net unrealized gains (losses) on securities still held?
Over 2 years (2023 to 2025), Citizens Financial Services, Inc.'s net unrealized gains (losses) on securities still held has grown at a 16.4% compound annual growth rate (CAGR), from $9.24M to $12.52M.
What does net unrealized gains (losses) on securities still held mean?
The net change in the value of the bank's investment securities portfolio after accounting for tax effects. This metric indicates the impact of market volatility on the bank's total comprehensive income and equity position.