Citizens Financial Services Inc. Common Stock - Asset Resilience Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has an Asset Resilience Ratio of 14.51% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read how much debt does Citizens Financial Services Inc. Common carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how Citizens Financial Services Inc. Common Stock's Asset Resilience Ratio has changed over time. See CZFS net asset value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Citizens Financial Services Inc. Common Stock's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see CZFS stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $444.74 Million | 14.51% |
| Total Liquid Assets | $444.74 Million | 14.51% |
Asset Resilience Insights
- Moderate Liquidity: Citizens Financial Services Inc. Common Stock has 14.51% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Citizens Financial Services Inc. Common Stock Industry Peers by Asset Resilience Ratio
Compare Citizens Financial Services Inc. Common Stock's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Shanghai Co Ltd
SHG:601229 |
Banks - Regional | -17.10% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Bk Harda Internasional Tbk Pt
JK:BBHI |
Banks - Regional | 2.06% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
CFM Indosuez Wealth SA
PA:MLCFM |
Banks - Regional | 50.57% |
|
Merkur PrivatBank KgaA
XETRA:MBK |
Banks - Regional | 0.00% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
Annual Asset Resilience Ratio for Citizens Financial Services Inc. Common Stock (2001–2025)
The table below shows the annual Asset Resilience Ratio data for Citizens Financial Services Inc. Common Stock.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 14.51% | $444.74 Million | $3.06 Billion | +12.96pp |
| 2024-12-31 | 1.56% | $47.12 Million | $3.03 Billion | -12.48pp |
| 2023-12-31 | 14.04% | $417.60 Million | $2.98 Billion | -4.80pp |
| 2022-12-31 | 18.84% | $439.51 Million | $2.33 Billion | -0.40pp |
| 2021-12-31 | 19.24% | $412.40 Million | $2.14 Billion | +3.63pp |
| 2020-12-31 | 15.60% | $295.19 Million | $1.89 Billion | -0.81pp |
| 2019-12-31 | 16.42% | $240.71 Million | $1.47 Billion | -0.43pp |
| 2018-12-31 | 16.85% | $241.01 Million | $1.43 Billion | -1.86pp |
| 2017-12-31 | 18.71% | $254.78 Million | $1.36 Billion | -6.97pp |
| 2016-12-31 | 25.68% | $314.02 Million | $1.22 Billion | -5.26pp |
| 2015-12-31 | 30.93% | $359.74 Million | $1.16 Billion | -2.16pp |
| 2014-12-31 | 33.10% | $306.15 Million | $925.05 Million | -1.59pp |
| 2013-12-31 | 34.68% | $317.30 Million | $914.93 Million | -0.48pp |
| 2012-12-31 | 35.16% | $310.25 Million | $882.43 Million | -1.13pp |
| 2011-12-31 | 36.29% | $318.82 Million | $878.57 Million | +32.05pp |
| 2010-12-31 | 4.24% | $34.45 Million | $812.53 Million | +1.23pp |
| 2009-12-31 | 3.01% | $21.94 Million | $729.48 Million | -23.04pp |
| 2008-12-31 | 26.04% | $174.14 Million | $668.61 Million | +5.61pp |
| 2007-12-31 | 20.44% | $120.79 Million | $591.03 Million | +20.44pp |
| 2006-12-31 | 0.00% | $8.00K | $572.17 Million | -0.02pp |
| 2005-12-31 | 0.02% | $111.00K | $529.24 Million | -0.01pp |
| 2004-12-31 | 0.04% | $177.00K | $499.35 Million | -0.04pp |
| 2003-12-31 | 0.07% | $327.00K | $463.88 Million | -0.03pp |
| 2002-12-31 | 0.10% | $421.00K | $432.66 Million | +0.08pp |
| 2001-12-31 | 0.02% | $67.00K | $421.11 Million | -- |
About Citizens Financial Services Inc. Common Stock
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state… Read more