Citizens Financial Services Inc. Common Stock (CZFS) — Cash Flow-to-Debt Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2026, meaning its operating cash flow of $18.02 Million could theoretically repay 0% of its total liabilities ($2.68 Billion) in one year. See how much free cash does Citizens Financial Services Inc. Common generate to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Citizens Financial Services Inc. Common Stock Cash Flow-to-Debt Ratio (1993–2025)
Historical debt coverage capacity for Citizens Financial Services Inc. Common Stock across 33 annual periods. Also explore how fast is Citizens Financial Services Inc. Common growing its equity to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Citizens Financial Services Inc. Common Stock (1993–2025)
Year-by-year debt coverage analysis for Citizens Financial Services Inc. Common Stock. For market capitalisation and broader financial context, see Citizens Financial Services Inc. Common stock valuation.
| 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 | — |