Citizens Financial Services Inc. Common Stock - Asset Resilience Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has an Asset Resilience Ratio of 3.20% as of March 2026. 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. Check how strategically is Citizens Financial Services Inc. Common 's equity deployed to assess the company's strategic physical and investment asset allocation.
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 Citizens Financial Services Inc. Common net asset quality index to measure how much of total assets are equity-financed.
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 | $96.99 Million | 3.2% |
| Total Liquid Assets | $96.99 Million | 3.20% |
Asset Resilience Insights
- Limited Liquidity: Citizens Financial Services Inc. Common Stock maintains only 3.20% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- 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 |
|---|---|---|
|
Standard Bank Group Ltd
JSE:SBK |
Banks - Regional | -9.21% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 28.98% |
|
Judo Capital Holdings Ltd
AU:JDO |
Banks - Regional | 10.76% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Bank Tabungan Negara Persero
JK:BBTN |
Banks - Regional | -3.50% |
|
Mystate Ltd
AU:MYS |
Banks - Regional | 8.81% |
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 | 1.18% | $36.05 Million | $3.06 Billion | -0.38pp |
| 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; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state … Read more