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 0.052x as of March 2026. 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 ($18.02 Million) by net assets ($343.58 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See Citizens Financial Services Inc. Common net asset quality index to measure how much of total assets are equity-financed.
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. Check CZFS cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
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 |
|---|---|
|
Uchi Technologies Bhd
KLSE:7100
|
0.118x |
|
LINKBANCORP Inc
NASDAQ:LNKB
|
-0.023x |
|
Hangzhou SDIC Microelectronics Inc. A
SHG:688130
|
N/A |
|
Taeyoung Engineering & Construction Co.,Ltd.
KO:009410
|
-0.073x |
|
D. P. Abhushan Limited
NSE:DPABHUSHAN
|
-0.080x |
|
WCM Global Growth Ltd
AU:WQG
|
0.033x |
|
APAC Opto Electronics
TWO:4908
|
0.029x |
|
Sangam (India) Limited
NSE:SANGAMIND
|
0.009x |
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 market cap overview.
| 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; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state … Read more