Citizens Financial Services (CZFS) Change in Net Loans (2010 - 2026)
Citizens Financial Services (CZFS) posted Change in Net Loans of $92.6 million for Q2 2026, up 274.59% on a QoQ basis from -$53.0 million in Q1 2026, and up 224.28% year-over-year from $28.6 million in Q2 2025.
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Analysis
Citizens Financial Services (CZFS) Change in Net Loans (2010 - 2026) Analysis & Trends
Citizens Financial Services has reported Change in Net Loans for 17 years, with the latest figure at $92.6 million in Q2 2026.
- On a quarterly basis, Change in Net Loans rose 224.28% year-over-year to $92.6 million in Q2 2026; TTM through Jun 2026 was $146.2 million, a 992.57% increase from a year earlier, with the FY2025 full-year figure at $33.5 million, down 52.34% from the prior year.
- Change in Net Loans was $92.6 million for Q2 2026 at Citizens Financial Services, up from -$53.0 million in the prior quarter.
- The five-year high for Change in Net Loans was $142.1 million in Q3 2022, with the low at -$74.5 million in Q2 2025.
- Average Change in Net Loans over 5 years is $26.0 million, with a median of $7.9 million recorded in 2023.
- The sharpest annual moves came in 2022 and 2026: Change in Net Loans soared 1581.92% in 2022, then slumped 3927.34% in 2026.
- Over 5 years, Change in Net Loans stood at -$13.7 million in 2022, then surged by 113.09% to $1.8 million in 2023, then plunged by 1110.62% to -$18.1 million in 2024, then jumped by 177.96% to $14.1 million in 2025, then jumped by 557.07% to $92.6 million in 2026.
- The last three Change in Net Loans figures came in at $92.6 million (Q2 2026), -$53.0 million (Q1 2026), and $14.1 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | -173.53 Bn |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 1.13 Bn |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | - |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 3.33 Bn |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | - |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 4.38 Bn |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | - |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | - |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 2.56 Bn |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | 92.61 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 92.61 Mn |
| Mar 31, 2026 | -53.05 Mn |
| Dec 31, 2025 | 14.10 Mn |
| Sep 30, 2025 | 92.52 Mn |
| Jun 30, 2025 | -74.52 Mn |
| Mar 31, 2025 | 1.39 Mn |
| Dec 31, 2024 | -18.08 Mn |
| Sep 30, 2024 | 74.84 Mn |
| Jun 30, 2024 | 17.64 Mn |
| Mar 31, 2024 | -4.16 Mn |
| Dec 31, 2023 | 1.79 Mn |
| Sep 30, 2023 | 82.28 Mn |
| Jun 30, 2023 | -37.92 Mn |
| Mar 31, 2023 | -2.20 Mn |
| Dec 31, 2022 | -13.67 Mn |
| Sep 30, 2022 | 142.11 Mn |
| Jun 30, 2022 | 116.48 Mn |
| Mar 31, 2022 | 36.47 Mn |
| Dec 31, 2021 | -2.29 Mn |
| Sep 30, 2021 | 26.64 Mn |
API Access
Citizens Financial Services Change in Net Loans API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "change-in-net-loans", "ticker": "CZFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=change-in-net-loans&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();