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Citizens Financial Services, Inc. CZFS Unrealized Losses on Investments (Before Tax)

Unrealized Losses on Investments (Before Tax) at other companies

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$146M+20.7%
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$16.66M-20.3%
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$49.25M-3.2%
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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:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax.

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 losses on investments (before tax)?
Citizens Financial Services, Inc. (CZFS) reported unrealized losses on investments (before tax) of $22.47M in Q1 2026.
How has Citizens Financial Services, Inc.'s unrealized losses on investments (before tax) changed year-over-year?
Citizens Financial Services, Inc.'s unrealized losses on investments (before tax) decreased by 24.2% year-over-year, from $29.63M to $22.47M.
What is the long-term trend for Citizens Financial Services, Inc.'s unrealized losses on investments (before tax)?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s unrealized losses on investments (before tax) has grown at a 142.8% compound annual growth rate (CAGR), from $244K to $20.59M.
What does unrealized losses on investments (before tax) mean?
This metric tracks the total negative difference between the amortized cost and the current fair market value of investment securities before accounting for tax effects. It serves as a key indicator of interest rate risk and market volatility exposure within the investment portfolio. High levels of unrealized losses may indicate pressure on capital adequacy ratios if those losses were to be realized.