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Citizens Financial Services, Inc. CZFS Unrealized Gains on Investments

Unrealized Gains on Investments 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/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:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax.

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 unrealized gains on investments?
Citizens Financial Services, Inc. (CZFS) reported unrealized gains on investments of $1.86M in Q1 2026.
How has Citizens Financial Services, Inc.'s unrealized gains on investments changed year-over-year?
Citizens Financial Services, Inc.'s unrealized gains on investments increased by 98.0% year-over-year, from $940K to $1.86M.
What is the long-term trend for Citizens Financial Services, Inc.'s unrealized gains on investments?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s unrealized gains on investments has grown at a -18.7% compound annual growth rate (CAGR), from $7.91M to $2.82M.
What does unrealized gains on investments mean?
This represents the cumulative positive difference between the current fair market value and the amortized cost of investment securities classified as available-for-sale. It reflects potential gains that have not yet been realized through the sale of the assets. Investors monitor this to assess the impact of market price fluctuations on the bank's total equity.