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Citizens Financial Services, Inc. CZFS Unrealized Gains on Investments

Unrealized Gains on Investments at other companies

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$155M+37.2%
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$358K-65.3%
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$10K+42.9%
FRA
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$327K+69.4%
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$1.38M-12.0%
CB Financial Services logo
CB Financial ServicesCBFV
$1.68M+160%

Other financials

Income statement

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Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

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Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$386.71M+44.7%
Enterprise value$741.31M+39.6%
P/E9.4×+1.0×
P/S3.3×+0.7×

Profitability

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Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479
June 30, 2026Amortized / CostGross / Unrealized / GainsGross / Unrealized / LossesAllowance / for Credit / LossesFair / Value
Available-for-sale securities:
U.S. agency securities$46,011-$(3,121)-$42,890
U.S. treasury securities77,02861(1,805)-75,284
Obligations of state and political subdivisions137,4951,089(5,544)-133,040
Corporate obligations5,663312(106)-5,869
Mortgage-backed securities in government sponsored entities243,973524(10,269)-234,228
Total available-for-sale securities$510,170$1,986$(20,845)-$491,311

Cover / Front Matter

FAQ

What is Citizens Financial Services, Inc.'s unrealized gains on investments?
Citizens Financial Services, Inc. (CZFS) reported unrealized gains on investments of $1.99M in Q2 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 177.8% year-over-year, from $715K to $1.99M.
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.

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