Citizens Financial Services Inc. Common Stock (CZFS) - Cash Flow Conversion Efficiency
Based on the latest financial reports, Citizens Financial Services Inc. Common Stock (CZFS) has a cash flow conversion efficiency ratio of 0.049x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($16.73 Million) by net assets ($338.05 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Citizens Financial Services Inc. Common Stock - Cash Flow Conversion Efficiency Trend (1993–2025)
This chart illustrates how Citizens Financial Services Inc. Common Stock's cash flow conversion efficiency has evolved over time, based on yearly financial data. Read debt load of Citizens Financial Services Inc. Common for a breakdown of total debt and financial obligations.
Citizens Financial Services Inc. Common Stock Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Citizens Financial Services Inc. Common Stock ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Companhia Brasileira de Distribuição
F:C1B2
|
-0.073x |
|
Vátryggingafélag Íslands hf
IC:SKAGI
|
0.083x |
|
E Split Corp Class A
TO:ENS
|
0.100x |
|
Oncology Institute Inc
NASDAQ:TOI
|
1.029x |
|
Microbio Co Ltd
TWO:4128
|
0.005x |
|
NACCO Industries Inc
NYSE:NC
|
0.027x |
|
Norwood Financial Corp
NASDAQ:NWFL
|
0.039x |
|
Rossari Biotech Limited
NSE:ROSSARI
|
0.024x |
Annual Cash Flow Conversion Efficiency for Citizens Financial Services Inc. Common Stock (1993–2025)
The table below shows the annual cash flow conversion efficiency of Citizens Financial Services Inc. Common Stock from 1993 to 2025. For the full company profile with market capitalisation and key ratios, see CZFS stock market capitalisation.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $338.05 Million | $36.53 Million | 0.108x | -2.38% |
| 2024-12-31 | $299.73 Million | $33.18 Million | 0.111x | +16.67% |
| 2023-12-31 | $279.67 Million | $26.54 Million | 0.095x | -42.87% |
| 2022-12-31 | $200.15 Million | $33.24 Million | 0.166x | -8.79% |
| 2021-12-31 | $212.49 Million | $38.69 Million | 0.182x | +199.21% |
| 2020-12-31 | $194.26 Million | $11.82 Million | 0.061x | -56.73% |
| 2019-12-31 | $154.77 Million | $21.77 Million | 0.141x | -8.87% |
| 2018-12-31 | $139.23 Million | $21.49 Million | 0.154x | +26.50% |
| 2017-12-31 | $129.01 Million | $15.74 Million | 0.122x | -7.14% |
| 2016-12-31 | $123.27 Million | $16.19 Million | 0.131x | +22.81% |
| 2015-12-31 | $119.76 Million | $12.81 Million | 0.107x | -33.53% |
| 2014-12-31 | $100.53 Million | $16.18 Million | 0.161x | -16.85% |
| 2013-12-31 | $92.06 Million | $17.82 Million | 0.194x | +16.92% |
| 2012-12-31 | $89.47 Million | $14.81 Million | 0.166x | -13.35% |
| 2011-12-31 | $81.47 Million | $15.56 Million | 0.191x | +2.39% |
| 2010-12-31 | $68.69 Million | $12.82 Million | 0.187x | +15.65% |
| 2009-12-31 | $61.53 Million | $9.93 Million | 0.161x | -18.19% |
| 2008-12-31 | $52.77 Million | $10.41 Million | 0.197x | +18.60% |
| 2007-12-31 | $48.53 Million | $8.07 Million | 0.166x | +3.11% |
| 2006-12-31 | $43.50 Million | $7.01 Million | 0.161x | -14.24% |
| 2005-12-31 | $41.56 Million | $7.82 Million | 0.188x | +7.02% |
| 2004-12-31 | $40.79 Million | $7.17 Million | 0.176x | -21.54% |
| 2003-12-31 | $38.53 Million | $8.63 Million | 0.224x | +1.90% |
| 2002-12-31 | $38.41 Million | $8.44 Million | 0.220x | +106.02% |
| 2001-12-31 | $33.39 Million | $3.56 Million | 0.107x | -16.61% |
| 2000-12-31 | $30.55 Million | $3.91 Million | 0.128x | -29.14% |
| 1999-12-31 | $27.08 Million | $4.89 Million | 0.181x | +11.34% |
| 1998-12-31 | $28.60 Million | $4.64 Million | 0.162x | -28.04% |
| 1997-12-31 | $25.92 Million | $5.84 Million | 0.225x | +37.80% |
| 1996-12-31 | $22.90 Million | $3.75 Million | 0.164x | -4.99% |
| 1995-12-31 | $21.30 Million | $3.67 Million | 0.172x | -13.44% |
| 1994-12-31 | $18.90 Million | $3.76 Million | 0.199x | +39.70% |
| 1993-12-31 | $18.34 Million | $2.61 Million | 0.142x | -- |
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