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

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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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.04 0.04 0.21 0.26
Quick Ratio
 0.00 0.04 0.04 0.21 0.26
Cash Ratio
 0.00 0.02 0.02 0.02 0.02
Solvency Ratio
 0.01 0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00 0.02 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 2.36 1.33 0.87 0.14
Net Current Asset Value
$ -2.65B$ -2.64B$ -2.62B$ -2.21B$ -1.65B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.10 0.10 0.10 0.11
Debt-to-Equity Ratio
 0.58 0.92 0.99 1.08 1.29
Debt-to-Capital Ratio
 0.37 0.48 0.50 0.52 0.56
Long-Term Debt-to-Capital Ratio
 0.37 0.47 0.48 0.49 0.12
Financial Leverage Ratio
 8.81 9.07 10.09 10.64 11.66
Debt Service Coverage Ratio
 0.66 0.48 0.32 0.25 0.12
Interest Coverage Ratio
 0.82 0.74 0.50 0.46 3.16
Debt to Market Cap
 0.68 1.13 1.00 1.08 0.86
Interest Debt Per Share
 53.78 77.25 76.96 78.83 66.31
Net Debt to EBITDA
 3.58 6.02 7.09 10.64 6.16
Profitability Margins
Gross Profit Margin
64.77%63.32%58.22%62.24%86.14%
EBIT Margin
27.70%26.03%19.98%15.51%38.13%
EBITDA Margin
27.44%26.03%21.05%16.61%39.24%
Operating Profit Margin
27.70%26.03%19.98%15.51%38.13%
Pretax Profit Margin
27.70%26.03%19.98%15.51%38.13%
Net Profit Margin
22.50%21.11%16.50%12.84%31.22%
Continuous Operations Profit Margin
22.50%21.11%16.50%12.84%31.22%
Net Income Per EBT
81.23%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)
1.30%1.19%0.92%0.60%1.25%
Return on Equity (ROE)
11.89%10.82%9.28%6.37%14.52%
Return on Capital Employed (ROCE)
1.60%6.74%5.48%3.48%7.27%
Return on Invested Capital (ROIC)
1.30%5.34%4.35%2.74%4.04%
Return on Tangible Assets
1.34%1.23%0.95%0.62%1.26%
Earnings Yield
13.56%13.37%9.34%6.34%9.64%
Efficiency Ratios
Receivables Turnover
 15.97 16.19 16.36 12.56 12.70
Payables Turnover
 0.00 20.30 15.01 12.19 10.48
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 8.44 8.25 7.88 6.49 5.28
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.15 -0.08 -0.08 -0.09 -0.07
Cash Conversion Cycle
 22.85 4.56 -2.00 -0.89 -6.10
Days of Sales Outstanding
 22.85 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 17.98 24.31 29.95 34.84
Operating Cycle
 22.85 22.54 22.31 29.06 28.75
Cash Flow Ratios
Operating Cash Flow Per Share
 7.61 7.62 6.99 6.00 8.21
Free Cash Flow Per Share
 7.27 7.35 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 0.96 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
 0.18 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
12.00%12.88%10.70%8.52%10.48%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.41 7.48 10.70 15.76 10.37
Price-to-Sales (P/S) Ratio
 1.67 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
 8.38 7.76 9.34 11.74 9.54
Price-to-Operating Cash Flow Ratio
 7.98 7.49 8.97 10.58 9.07
Price-to-Earnings Growth (PEG) Ratio
 0.19 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
 9.68 12.09 15.48 22.83 14.41
Enterprise Value
 462.54M 544.89M 549.43M 525.93M 526.50M
EV to EBITDA
 9.64 12.09 15.48 22.83 14.41
EV to Sales
 2.65 3.15 3.26 3.79 5.66
EV to Free Cash Flow
 13.26 15.46 17.24 21.99 16.66
EV to Operating Cash Flow
 12.66 14.91 16.56 19.82 15.84
Tangible Book Value Per Share
 53.30 52.13 44.44 42.99 41.37
Shareholders’ Equity Per Share
 71.61 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
 36.42 36.11 35.50 31.34 22.99
Net Income Per Share
 8.20 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
 0.23 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