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STOCKS

Citizens Financial Services Inc (CZFS)

NASDAQ:CZFS

CZFS

Citizens Financial Services

RESEARCH TOOLSreports

Citizens Financial Services (CZFS) Ratios

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31 Followers

Citizens Financial Services Ratios

CZFS's free cash flow for Q3 2025 was $0.65. For the 2025 fiscal year, CZFS's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.05	0.04	0.21	388.88	845.99
Quick Ratio	0.05	0.04	0.21	421.47	1.11K
Cash Ratio	0.01	0.02	0.02	26.19	258.59
Solvency Ratio	0.01	0.01	<0.01	0.01	0.02
Operating Cash Flow Ratio	0.01	0.01	0.01	26.98	54.42
Short-Term Operating Cash Flow Coverage	0.00	1.33	0.87	0.00	0.00
Net Current Asset Value	$ -2.61B	$ -2.62B	$ -2.21B	$ -1.65B	$ -1.33B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.10	0.10	0.11	0.03
Debt-to-Equity Ratio	0.85	0.99	1.08	1.29	0.35
Debt-to-Capital Ratio	0.46	0.50	0.52	0.56	0.26
Long-Term Debt-to-Capital Ratio	0.46	0.48	0.49	0.56	0.26
Financial Leverage Ratio	9.33	10.09	10.64	11.66	10.09
Debt Service Coverage Ratio	0.55	0.32	0.25	2.68	4.25
Interest Coverage Ratio	0.66	0.50	0.46	4.24	4.97
Debt to Market Cap	1.03	1.00	1.08	0.85	0.31
Interest Debt Per Share	71.44	76.96	78.83	66.97	20.15
Net Debt to EBITDA	5.81	7.09	10.64	6.16	-3.02
Profitability Margins
Gross Profit Margin	62.22%	58.22%	62.24%	100.00%	100.00%
EBIT Margin	24.23%	19.98%	15.51%	43.35%	45.04%
EBITDA Margin	24.48%	21.05%	16.61%	44.62%	46.46%
Operating Profit Margin	24.23%	19.98%	15.51%	58.13%	45.04%
Pretax Profit Margin	24.23%	19.98%	15.51%	43.35%	45.04%
Net Profit Margin	19.80%	16.50%	12.84%	35.49%	37.13%
Continuous Operations Profit Margin	19.80%	16.50%	12.84%	35.49%	37.13%
Net Income Per EBT	81.72%	82.59%	82.78%	81.87%	82.45%
EBT Per EBIT	100.00%	100.00%	100.00%	74.58%	100.00%
Return on Assets (ROA)	1.11%	0.92%	0.60%	1.25%	1.36%
Return on Equity (ROE)	10.91%	9.28%	6.37%	14.52%	13.70%
Return on Capital Employed (ROCE)	6.50%	5.48%	3.48%	2.04%	1.65%
Return on Invested Capital (ROIC)	5.31%	4.35%	2.74%	4.02%	2.73%
Return on Tangible Assets	1.15%	0.95%	0.62%	1.26%	1.38%
Earnings Yield	12.62%	9.34%	6.34%	9.64%	12.28%
Efficiency Ratios
Receivables Turnover	15.08	16.36	12.56	11.17	14.98
Payables Turnover	17.32	15.01	12.19	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	8.00	7.88	6.49	4.65	4.61
Asset Turnover	0.06	0.06	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.08	-0.08	-0.09	0.15	0.16
Cash Conversion Cycle	3.13	-2.00	-0.89	32.69	24.37
Days of Sales Outstanding	24.20	22.31	29.06	32.69	24.37
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	21.07	24.31	29.95	0.00	0.00
Operating Cycle	24.20	22.31	29.06	32.69	24.37
Cash Flow Ratios
Operating Cash Flow Per Share	6.31	6.99	6.00	8.29	9.61
Free Cash Flow Per Share	6.22	6.71	5.40	7.88	9.34
CapEx Per Share	0.10	0.28	0.59	0.41	0.27
Free Cash Flow to Operating Cash Flow	0.98	0.96	0.90	0.95	0.97
Dividend Paid and CapEx Coverage Ratio	3.05	3.13	2.39	3.60	4.56
Capital Expenditure Coverage Ratio	65.56	25.25	10.14	20.34	35.02
Operating Cash Flow Coverage Ratio	0.11	0.11	0.09	0.13	0.52
Operating Cash Flow to Sales Ratio	0.18	0.20	0.19	0.41	0.49
Free Cash Flow Yield	11.02%	10.70%	8.52%	10.48%	15.85%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.98	10.70	15.76	10.38	8.14
Price-to-Sales (P/S) Ratio	1.58	1.77	2.02	3.68	3.02
Price-to-Book (P/B) Ratio	0.83	0.99	1.00	1.51	1.12
Price-to-Free Cash Flow (P/FCF) Ratio	9.13	9.34	11.74	9.54	6.31
Price-to-Operating Cash Flow Ratio	8.97	8.97	10.58	9.07	6.13
Price-to-Earnings Growth (PEG) Ratio	1.01	0.23	-0.36	75.13	0.62
Price-to-Fair Value	0.83	0.99	1.00	1.51	1.12
Enterprise Value Multiple	12.27	15.48	22.83	14.42	3.49
Enterprise Value	515.29M	549.43M	525.93M	526.56M	127.21M
EV to EBITDA	12.23	15.48	22.83	14.42	3.49
EV to Sales	2.99	3.26	3.79	6.43	1.62
EV to Free Cash Flow	17.28	17.24	21.99	16.66	3.38
EV to Operating Cash Flow	17.01	16.56	19.82	15.84	3.29
Tangible Book Value Per Share	49.93	44.44	42.99	41.78	44.60
Shareholders’ Equity Per Share	68.31	63.10	63.19	49.92	52.80
Tax and Other Ratios
Effective Tax Rate	0.18	0.17	0.17	0.18	0.18
Revenue Per Share	35.87	35.50	31.34	20.42	19.48
Net Income Per Share	7.10	5.86	4.02	7.25	7.24
Tax Burden	0.82	0.83	0.83	0.82	0.82
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.29	0.25	0.26	0.35	0.35
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	0.89	1.19	1.49	1.14	1.33

Currency in USD