Citizens Financial Services Inc. Common Stock Cash Flow-to-Debt Ratio
Citizens Financial Services Inc. Common Stock cash flow-to-debt ratio. Citizens Financial Services Inc. Common Stock (CZFS) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of $-89.00K could theoretically repay 0% of its total liabilities ($2.84 Billion) in one year. Check Citizens Financial Services Inc. Common (CZFS) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Citizens Financial Services Inc. Common Stock (1993–2025)
Cash flow-to-debt ratio of Citizens Financial Services Inc. Common Stock from 1993 to 2025. Historical debt coverage capacity for Citizens Financial Services Inc. Common Stock across 33 annual periods. Check total reinvestment intensity of Citizens Financial Services Inc. Common to assess the company's total reinvestment commitment from operating cash flow.
Citizens Financial Services Inc. Common Stock Cash Flow-to-Debt Ratio by Year (1993–2025)
Citizens Financial Services Inc. Common Stock cash flow-to-debt ratio by year from 1993 to 2025. Year-by-year debt coverage analysis for Citizens Financial Services Inc. Common Stock. For the full cash flow conversion analysis, see cash efficiency ratio of Citizens Financial Services Inc. Common .
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $36.53 Million | $2.73 Billion | ▲ +10.1% |
| 2024 | 0.01x | $33.18 Million | $2.73 Billion | ▲ +23.6% |
| 2023 | 0.01x | $26.54 Million | $2.70 Billion | ▼ -36.8% |
| 2022 | 0.02x | $33.24 Million | $2.13 Billion | ▼ -22.2% |
| 2021 | 0.02x | $38.69 Million | $1.93 Billion | ▲ +187.6% |
| 2020 | 0.01x | $11.82 Million | $1.70 Billion | ▼ -58.0% |
| 2019 | 0.02x | $21.77 Million | $1.31 Billion | ▼ -0.2% |
| 2018 | 0.02x | $21.49 Million | $1.29 Billion | ▲ +30.3% |
| 2017 | 0.01x | $15.74 Million | $1.23 Billion | ▼ -13.3% |
| 2016 | 0.01x | $16.19 Million | $1.10 Billion | ▲ +19.9% |
| 2015 | 0.01x | $12.81 Million | $1.04 Billion | ▼ -37.4% |
| 2014 | 0.02x | $16.18 Million | $824.52 Million | ▼ -9.4% |
| 2013 | 0.02x | $17.82 Million | $822.88 Million | ▲ +15.9% |
| 2012 | 0.02x | $14.81 Million | $792.95 Million | ▼ -4.3% |
| 2011 | 0.02x | $15.56 Million | $797.10 Million | ▲ +13.3% |
| 2010 | 0.02x | $12.82 Million | $743.84 Million | ▲ +15.9% |
| 2009 | 0.01x | $9.93 Million | $667.95 Million | ▼ -12.1% |
| 2008 | 0.02x | $10.41 Million | $615.84 Million | ▲ +13.6% |
| 2007 | 0.01x | $8.07 Million | $542.50 Million | ▲ +12.1% |
| 2006 | 0.01x | $7.01 Million | $528.67 Million | ▼ -17.2% |
| 2005 | 0.02x | $7.82 Million | $487.68 Million | ▲ +2.5% |
| 2004 | 0.02x | $7.17 Million | $458.56 Million | ▼ -23.0% |
| 2003 | 0.02x | $8.63 Million | $425.35 Million | ▼ -5.2% |
| 2002 | 0.02x | $8.44 Million | $394.25 Million | ▲ +133.0% |
| 2001 | 0.01x | $3.56 Million | $387.72 Million | ▼ -10.0% |
| 2000 | 0.01x | $3.91 Million | $382.78 Million | ▼ -34.5% |
| 1999 | 0.02x | $4.89 Million | $313.70 Million | ▼ -4.2% |
| 1998 | 0.02x | $4.64 Million | $284.97 Million | ▼ -25.1% |
| 1997 | 0.02x | $5.84 Million | $268.89 Million | ▲ +50.8% |
| 1996 | 0.01x | $3.75 Million | $259.91 Million | ▼ -11.2% |
| 1995 | 0.02x | $3.67 Million | $225.80 Million | ▼ -7.7% |
| 1994 | 0.02x | $3.76 Million | $213.63 Million | ▲ +33.4% |
| 1993 | 0.01x | $2.61 Million | $197.90 Million | — |