Citizens Financial Services Inc. Common Stock Cash Flow Quality Index
Citizens Financial Services Inc. Common Stock 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. See CZFS free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Citizens Financial Services Inc. Common Stock (1993–2025)
Cash flow quality index of Citizens Financial Services Inc. Common Stock from 1993 to 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. Explore CZFS cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Citizens Financial Services Inc. Common Stock Cash Flow Quality Index by Year (1993–2025)
Citizens Financial Services Inc. Common Stock cash flow quality index by year from 1993 to 2025. Year-by-year earnings quality comparison for Citizens Financial Services Inc. Common Stock. For the full cash flow conversion analysis, see Citizens Financial Services Inc. Common operating cash flow efficiency.
| 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 | — |