Citizens Financial Services Inc. Common Stock (CZFS) — Cash Flow Quality Index
Citizens Financial Services Inc. Common Stock (CZFS) has a Cash Flow Quality Index of 1.74x as of March 2026. Operating cash flow of $18.02 Million exceeds net income of $10.38 Million, indicating high earnings quality where cash backs reported profits. Explore Citizens Financial Services Inc. Common (CZFS) cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Citizens Financial Services Inc. Common Stock Cash Flow Quality Index (1993–2025)
Historical Cash Flow Quality Index for Citizens Financial Services Inc. Common Stock across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check CZFS cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Citizens Financial Services Inc. Common Stock (1993–2025)
Year-by-year earnings quality comparison for Citizens Financial Services Inc. Common Stock. For live market cap and the full company financial profile, see Citizens Financial Services Inc. Common stock valuation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.00x | $36.53 Million | $36.57 Million | ▼ -16.3% |
| 2024 | 1.19x | $33.18 Million | $27.82 Million | ▼ -19.9% |
| 2023 | 1.49x | $26.54 Million | $17.81 Million | ▲ +30.3% |
| 2022 | 1.14x | $33.24 Million | $29.06 Million | ▼ -13.9% |
| 2021 | 1.33x | $38.69 Million | $29.12 Million | ▲ +182.2% |
| 2020 | 0.47x | $11.82 Million | $25.10 Million | ▼ -57.8% |
| 2019 | 1.12x | $21.77 Million | $19.49 Million | ▼ -6.3% |
| 2018 | 1.19x | $21.49 Million | $18.03 Million | ▼ -1.4% |
| 2017 | 1.21x | $15.74 Million | $13.03 Million | ▼ -5.7% |
| 2016 | 1.28x | $16.19 Million | $12.64 Million | ▲ +16.3% |
| 2015 | 1.10x | $12.81 Million | $11.63 Million | ▼ -8.8% |
| 2014 | 1.21x | $16.18 Million | $13.38 Million | ▼ -9.3% |
| 2013 | 1.33x | $17.82 Million | $13.38 Million | ▲ +27.9% |
| 2012 | 1.04x | $14.81 Million | $14.21 Million | ▼ -14.1% |
| 2011 | 1.21x | $15.56 Million | $12.83 Million | ▲ +8.9% |
| 2010 | 1.11x | $12.82 Million | $11.50 Million | ▲ +10.7% |
| 2009 | 1.01x | $9.93 Million | $9.86 Million | ▼ -33.2% |
| 2008 | 1.51x | $10.41 Million | $6.91 Million | ▲ +25.8% |
| 2007 | 1.20x | $8.07 Million | $6.74 Million | ▼ -1.0% |
| 2006 | 1.21x | $7.01 Million | $5.80 Million | ▼ -18.4% |
| 2005 | 1.48x | $7.82 Million | $5.27 Million | ▲ +8.9% |
| 2004 | 1.36x | $7.17 Million | $5.27 Million | ▼ -23.1% |
| 2003 | 1.77x | $8.63 Million | $4.88 Million | ▲ +17.2% |
| 2002 | 1.51x | $8.44 Million | $5.59 Million | ▲ +59.1% |
| 2001 | 0.95x | $3.56 Million | $3.76 Million | ▼ -22.2% |
| 2000 | 1.22x | $3.91 Million | $3.21 Million | ▼ -11.5% |
| 1999 | 1.38x | $4.89 Million | $3.55 Million | ▲ +3.5% |
| 1998 | 1.33x | $4.64 Million | $3.49 Million | ▼ -12.8% |
| 1997 | 1.52x | $5.84 Million | $3.83 Million | ▲ +22.2% |
| 1996 | 1.25x | $3.75 Million | $3.00 Million | ▼ -3.6% |
| 1995 | 1.29x | $3.67 Million | $2.83 Million | ▼ -9.7% |
| 1994 | 1.43x | $3.76 Million | $2.62 Million | ▲ +33.0% |
| 1993 | 1.08x | $2.61 Million | $2.42 Million | — |