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 0.00x 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. See Citizens Financial Services Inc. Common (CZFS) flexibility index to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see Citizens Financial Services Inc. Common operating cash flow efficiency.
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. Check cash flow quality index of Citizens Financial Services Inc. Common to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |