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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 Q4 2025 was $0.65. For the 2025 fiscal year, CZFS's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.72	1.72	0.04	0.21	0.26
Quick Ratio	1.72	1.72	0.04	0.21	0.26
Cash Ratio	0.12	0.12	0.02	0.02	0.02
Solvency Ratio	0.01	0.01	0.01	<0.01	0.01
Operating Cash Flow Ratio	0.13	0.13	0.01	0.01	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.13	1.33	0.87	0.14
Net Current Asset Value	$ -2.24B	$ -2.24B	$ -2.62B	$ -2.21B	$ -1.65B
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.10	0.10	0.10	0.11
Debt-to-Equity Ratio	0.92	0.92	0.99	1.08	1.29
Debt-to-Capital Ratio	0.48	0.48	0.50	0.52	0.56
Long-Term Debt-to-Capital Ratio	0.48	0.48	0.48	0.49	0.12
Financial Leverage Ratio	9.07	9.07	10.09	10.64	11.66
Debt Service Coverage Ratio	0.60	0.11	0.32	0.25	0.12
Interest Coverage Ratio	0.74	0.74	0.50	0.46	3.16
Debt to Market Cap	1.07	2.17	1.00	1.08	0.86
Interest Debt Per Share	77.26	77.25	76.96	78.83	66.31
Net Debt to EBITDA	6.10	6.10	7.09	10.64	6.16
Profitability Margins
Gross Profit Margin	63.36%	63.32%	58.22%	62.24%	86.14%
EBIT Margin	26.00%	26.03%	19.98%	15.51%	38.13%
EBITDA Margin	26.00%	26.03%	21.05%	16.61%	39.24%
Operating Profit Margin	26.00%	26.03%	19.98%	15.51%	38.13%
Pretax Profit Margin	26.00%	26.03%	19.98%	15.51%	38.13%
Net Profit Margin	21.09%	21.11%	16.50%	12.84%	31.22%
Continuous Operations Profit Margin	21.09%	21.11%	16.50%	12.84%	31.22%
Net Income Per EBT	81.11%	81.11%	82.59%	82.78%	81.87%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.19%	1.19%	0.92%	0.60%	1.25%
Return on Equity (ROE)	11.36%	10.82%	9.28%	6.37%	14.52%
Return on Capital Employed (ROCE)	1.62%	1.62%	5.48%	3.48%	7.27%
Return on Invested Capital (ROIC)	11.22%	5.99%	4.35%	2.74%	4.04%
Return on Tangible Assets	1.23%	1.23%	0.95%	0.62%	1.26%
Earnings Yield	12.70%	13.37%	9.34%	6.34%	9.64%
Efficiency Ratios
Receivables Turnover	16.21	16.19	16.36	12.56	12.70
Payables Turnover	0.00	0.00	15.01	12.19	10.48
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	8.26	8.25	7.88	6.49	5.28
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.17	-0.16	-0.08	-0.09	-0.07
Cash Conversion Cycle	22.51	22.54	-2.00	-0.89	-6.10
Days of Sales Outstanding	22.51	22.54	22.31	29.06	28.75
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	24.31	29.95	34.84
Operating Cycle	22.51	22.54	22.31	29.06	28.75
Cash Flow Ratios
Operating Cash Flow Per Share	7.62	7.62	6.99	6.00	8.21
Free Cash Flow Per Share	7.27	6.84	6.71	5.40	7.81
CapEx Per Share	0.35	0.27	0.28	0.59	0.40
Free Cash Flow to Operating Cash Flow	0.95	0.90	0.96	0.90	0.95
Dividend Paid and CapEx Coverage Ratio	3.26	3.37	3.13	2.39	3.60
Capital Expenditure Coverage Ratio	21.94	28.19	25.25	10.14	20.34
Operating Cash Flow Coverage Ratio	0.12	0.12	0.11	0.09	0.13
Operating Cash Flow to Sales Ratio	0.21	0.21	0.20	0.19	0.36
Free Cash Flow Yield	12.09%	11.99%	10.70%	8.52%	10.48%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.87	7.48	10.70	15.76	10.37
Price-to-Sales (P/S) Ratio	1.66	1.58	1.77	2.02	3.24
Price-to-Book (P/B) Ratio	0.85	0.81	0.99	1.00	1.51
Price-to-Free Cash Flow (P/FCF) Ratio	8.27	8.34	9.34	11.74	9.54
Price-to-Operating Cash Flow Ratio	7.88	7.49	8.97	10.58	9.07
Price-to-Earnings Growth (PEG) Ratio	1.05	0.24	0.23	-0.36	73.56
Price-to-Fair Value	0.85	0.81	0.99	1.00	1.51
Enterprise Value Multiple	12.50	12.17	15.48	22.83	14.41
Enterprise Value	563.69M	548.71M	549.43M	525.93M	526.50M
EV to EBITDA	12.50	12.17	15.48	22.83	14.41
EV to Sales	3.25	3.17	3.26	3.79	5.66
EV to Free Cash Flow	16.17	16.72	17.24	21.99	16.66
EV to Operating Cash Flow	15.43	15.02	16.56	19.82	15.84
Tangible Book Value Per Share	52.13	52.13	44.44	42.99	41.37
Shareholders’ Equity Per Share	70.48	70.46	63.10	63.19	49.43
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.17	0.17	0.18
Revenue Per Share	36.16	36.11	35.50	31.34	22.99
Net Income Per Share	7.62	7.62	5.86	4.02	7.18
Tax Burden	0.81	0.81	0.83	0.83	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	0.27	0.25	0.26	0.31
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	1.00	1.00	1.19	1.49	1.14

Currency in USD