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 -0.01x as of June 2026. Operating cash flow of $-89.00K is below net income of $10.19 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Citizens Financial Services Inc. Common cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Citizens Financial Services Inc. Common cash conversion from operations.
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.
| 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 | — |