Citizens Financial Services Inc. Common Stock (CZFS) — Defensive Interval Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has a Defensive Interval Ratio of 7 days as of December 2025. Defensive assets of $46.75 Million (cash $-, short-term investments $36.05 Million, receivables $10.70 Million) cover 7 days of daily cash needs of $6.56 Million/day. Check tangible net worth ratio of Citizens Financial Services Inc. Common to evaluate the tangible quality of 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 December 2025, the ratio stands at 7 days, meaning defensive assets of $46.75 Million can fund 7 days of operations without new revenue. Also explore CZFS net assets growth trend to track the company's year-over-year net asset growth rate.
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 market cap and net worth.
| 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 | $- | $- | — |