Citizens Financial Services Inc. Common Stock (CZFS) — Defensive Interval Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has a Defensive Interval Ratio of 54591 days as of June 2026. Defensive assets of $502.23 Million (cash $-, short-term investments $491.31 Million, receivables $10.92 Million) cover 54591 days of daily cash needs of $9.20K/day.
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 June 2026, the ratio stands at 54591 days, meaning defensive assets of $502.23 Million can fund 54591 days of operations without new revenue. For the complete balance sheet picture, see CZFS total assets.
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. See Citizens Financial Services Inc. Common short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
| 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 | $- | $- | — |