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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
US Market
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Citizens Financial Services (CZFS) Ratios

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Citizens Financial Services Ratios

CZFS's free cash flow for Q1 2025 was $0.61. For the 2025 fiscal year, CZFS's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.21 388.88 845.99 377.24
Quick Ratio
0.00 0.21 421.47 1.11K 466.03
Cash Ratio
0.00 0.02 26.19 258.59 81.09
Solvency Ratio
0.01 <0.01 0.01 0.02 0.02
Operating Cash Flow Ratio
0.00 0.01 26.98 54.42 11.62
Short-Term Operating Cash Flow Coverage
0.00 0.87 0.00 0.00 0.00
Net Current Asset Value
$ -2.16B$ -2.21B$ -1.65B$ -1.33B$ -1.31B
Leverage Ratios
Debt-to-Assets Ratio
0.00 0.10 0.11 0.03 0.05
Debt-to-Equity Ratio
0.00 1.08 1.29 0.35 0.46
Debt-to-Capital Ratio
0.00 0.52 0.56 0.26 0.31
Long-Term Debt-to-Capital Ratio
0.00 0.49 0.56 0.26 0.31
Financial Leverage Ratio
9.46 10.64 11.66 10.09 9.74
Debt Service Coverage Ratio
0.73 0.25 2.68 4.25 3.24
Interest Coverage Ratio
0.29 0.46 4.24 4.97 3.75
Debt to Market Cap
0.00 1.08 0.85 0.31 0.42
Interest Debt Per Share
13.63 78.83 66.97 20.15 24.72
Net Debt to EBITDA
6.61 10.64 6.16 -3.02 0.20
Profitability Margins
Gross Profit Margin
31.40%62.24%100.00%100.00%100.00%
EBIT Margin
17.25%15.51%43.35%45.04%41.25%
EBITDA Margin
33.39%16.61%44.62%46.46%42.80%
Operating Profit Margin
11.51%15.51%58.13%45.04%41.25%
Pretax Profit Margin
23.62%15.51%43.35%45.04%41.25%
Net Profit Margin
19.35%12.84%35.49%37.13%34.10%
Continuous Operations Profit Margin
14.17%12.84%35.49%37.13%34.10%
Net Income Per EBT
81.90%82.78%81.87%82.45%82.67%
EBT Per EBIT
205.31%100.00%74.58%100.00%100.00%
Return on Assets (ROA)
1.07%0.60%1.25%1.36%1.33%
Return on Equity (ROE)
10.36%6.37%14.52%13.70%12.92%
Return on Capital Employed (ROCE)
0.63%3.48%2.04%1.65%1.61%
Return on Invested Capital (ROIC)
2.50%2.74%4.02%2.73%3.44%
Return on Tangible Assets
1.10%0.62%1.26%1.38%1.35%
Earnings Yield
12.57%6.34%9.64%12.28%11.90%
Efficiency Ratios
Receivables Turnover
15.40 12.56 11.17 14.98 12.27
Payables Turnover
0.00 12.19 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
7.50 6.49 4.65 4.61 4.34
Asset Turnover
0.06 0.05 0.04 0.04 0.04
Working Capital Turnover Ratio
-0.18 -0.09 0.15 0.16 0.22
Cash Conversion Cycle
23.69 -0.89 32.69 24.37 29.74
Days of Sales Outstanding
23.69 29.06 32.69 24.37 29.74
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 29.95 0.00 0.00 0.00
Operating Cycle
23.69 29.06 32.69 24.37 29.74
Cash Flow Ratios
Operating Cash Flow Per Share
6.39 6.00 8.29 9.61 3.02
Free Cash Flow Per Share
6.02 5.40 7.88 9.34 2.77
CapEx Per Share
0.38 0.59 0.41 0.27 0.24
Free Cash Flow to Operating Cash Flow
0.94 0.90 0.95 0.97 0.92
Dividend Paid and CapEx Coverage Ratio
2.75 2.39 3.60 4.56 1.58
Capital Expenditure Coverage Ratio
17.04 10.14 20.34 35.02 12.55
Operating Cash Flow Coverage Ratio
0.00 0.09 0.13 0.52 0.13
Operating Cash Flow to Sales Ratio
0.19 0.19 0.41 0.49 0.16
Free Cash Flow Yield
11.46%8.52%10.48%15.85%5.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.92 15.76 10.38 8.14 8.40
Price-to-Sales (P/S) Ratio
1.54 2.02 3.68 3.02 2.87
Price-to-Book (P/B) Ratio
0.80 1.00 1.51 1.12 1.09
Price-to-Free Cash Flow (P/FCF) Ratio
8.69 11.74 9.54 6.31 19.39
Price-to-Operating Cash Flow Ratio
8.16 10.58 9.07 6.13 17.85
Price-to-Earnings Growth (PEG) Ratio
0.74 -0.36 75.13 0.62 0.41
Price-to-Fair Value
0.80 1.00 1.51 1.12 1.09
Enterprise Value Multiple
3.69 22.83 14.42 3.49 6.90
Enterprise Value
515.73M 525.93M 526.56M 127.21M 217.36M
EV to EBITDA
12.93 22.83 14.42 3.49 6.90
EV to Sales
3.16 3.79 6.43 1.62 2.95
EV to Free Cash Flow
17.86 21.99 16.66 3.38 19.98
EV to Operating Cash Flow
16.81 19.82 15.84 3.29 18.39
Tangible Book Value Per Share
46.97 42.99 41.78 44.60 41.12
Shareholders’ Equity Per Share
65.38 63.19 49.92 52.80 49.54
Tax and Other Ratios
Effective Tax Rate
0.18 0.17 0.18 0.18 0.17
Revenue Per Share
34.05 31.34 20.42 19.48 18.77
Net Income Per Share
6.59 4.02 7.25 7.24 6.40
Tax Burden
0.82 0.83 0.82 0.82 0.83
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
0.25 0.26 0.35 0.35 0.35
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Income Quality
1.08 1.49 1.14 1.33 0.47
Currency in USD
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