Citizens Financial Services Inc. Common Stock (CZFS) — Defensive Interval Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has a Defensive Interval Ratio of 16 days as of March 2026. Defensive assets of $107.93 Million (cash $-, short-term investments $96.99 Million, receivables $10.94 Million) cover 16 days of daily cash needs of $6.70 Million/day. See Citizens Financial Services Inc. Common (CZFS) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens Financial Services Inc. Common Stock Defensive Interval Ratio (1993–2025)
This chart shows how Citizens Financial Services Inc. Common Stock's Defensive Interval Ratio has evolved across 33 annual periods from 1993 to 2025. As of March 2026, the ratio stands at 16 days, meaning defensive assets of $107.93 Million can fund 16 days of operations without new revenue. See net asset quality index of Citizens Financial Services Inc. Common to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Citizens Financial Services Inc. Common Stock (1993–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens Financial Services Inc. Common Stock from 1993 to 2025, covering 33 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Citizens Financial Services Inc. Common (CZFS) total market value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | $46.75 Million | $6.56 Million/day | $- | $36.05 Million | ▼ -2 days |
| 2024 | 9 days | $57.42 Million | $6.61 Million/day | $- | $47.12 Million | ▼ -58 days |
| 2023 | 66 days | $428.64 Million | $6.46 Million/day | $- | $417.60 Million | ▼ -22 days |
| 2022 | 88 days | $446.84 Million | $5.06 Million/day | $- | $439.51 Million | ▲ +5 days |
| 2021 | 83 days | $417.64 Million | $5.03 Million/day | $- | $412.40 Million | ▲ +14 days |
| 2020 | 69 days | $301.19 Million | $4.36 Million/day | $- | $295.19 Million | ▼ -5 days |
| 2019 | 74 days | $245.26 Million | $3.32 Million/day | $- | $240.71 Million | ▼ -2 days |
| 2018 | 76 days | $245.46 Million | $3.25 Million/day | $- | $241.01 Million | ▼ -10 days |
| 2017 | 85 days | $258.98 Million | $3.03 Million/day | $- | $254.78 Million | ▼ -33 days |
| 2016 | 118 days | $325.87 Million | $2.76 Million/day | $- | $314.02 Million | ▼ -16 days |
| 2015 | 134 days | $363.95 Million | $2.71 Million/day | $- | $359.74 Million | ▼ -12 days |
| 2014 | 146 days | $309.79 Million | $2.12 Million/day | $- | $306.15 Million | ▼ -10 days |
| 2013 | 156 days | $321.03 Million | $2.05 Million/day | $- | $317.30 Million | ▲ +1 days |
| 2012 | 155 days | $314.07 Million | $2.02 Million/day | $- | $310.25 Million | ▼ -5 days |
| 2011 | 160 days | $322.44 Million | $2.02 Million/day | $- | $318.82 Million | ▲ +140 days |
| 2010 | 20 days | $37.91 Million | $1.87 Million/day | $- | $34.45 Million | ▲ +5 days |
| 2009 | 15 days | $25.09 Million | $1.66 Million/day | $- | $21.94 Million | ▼ -103 days |
| 2008 | 118 days | $177.05 Million | $1.50 Million/day | $- | $174.14 Million | ▲ +20 days |
| 2007 | 98 days | $123.31 Million | $1.26 Million/day | $- | $120.79 Million | ▲ +96 days |
| 2006 | 2 days | $2.47 Million | $1.23 Million/day | $- | $8.00K | ▲ +0 days |
| 2005 | 2 days | $2.27 Million | $1.26 Million/day | $- | $111.00K | ▲ +0 days |
| 2004 | 2 days | $1.91 Million | $1.20 Million/day | $- | $177.00K | ▼ 0 days |
| 2003 | 2 days | $2.03 Million | $1.10 Million/day | $- | $327.00K | ▼ 0 days |
| 2002 | 2 days | $2.40 Million | $1.03 Million/day | $- | $421.00K | ▲ +0 days |
| 2001 | 2 days | $2.05 Million | $1.02 Million/day | $- | $67.00K | ▼ 0 days |
| 2000 | 2 days | $2.32 Million | $1.01 Million/day | $- | $- | ▼ 0 days |
| 1999 | 3 days | $2.12 Million | $785.96K/day | $- | $- | ▼ 0 days |
| 1998 | 3 days | $2.19 Million | $757.69K/day | $- | $- | ▼ -1 days |
| 1997 | 3 days | $2.43 Million | $709.90K/day | $- | $- | ▼ -1 days |
| 1996 | 4 days | $2.93 Million | $664.30K/day | $- | $- | ▼ 0 days |
| 1995 | 4 days | $2.61 Million | $590.20K/day | $- | $- | ▼ -2 days |
| 1994 | 7 days | $3.63 Million | $537.45K/day | $- | $- | ▲ +0 days |
| 1993 | 6 days | $3.39 Million | $528.03K/day | $- | $- | — |