Citizens Financial Services Inc. Common Stock (CZFS) — Financial Flexibility Index
Citizens Financial Services Inc. Common Stock (CZFS) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of $18.14 Million (operating CF $18.02 Million minus capex $125.00K) represents 0% of total liabilities ($2.68 Billion). Check Citizens Financial Services Inc. Common (CZFS) strategic asset index to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Citizens Financial Services Inc. Common Stock Financial Flexibility Index (1993–2025)
Historical Financial Flexibility Index trend for Citizens Financial Services Inc. Common Stock across 33 annual periods. See Citizens Financial Services Inc. Common current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Citizens Financial Services Inc. Common Stock (1993–2025)
Year-by-year free cash flow to debt coverage for Citizens Financial Services Inc. Common Stock. For the full company profile including market capitalisation, see market value of Citizens Financial Services Inc. Common .
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $37.83 Million | $36.53 Million | $2.73 Billion | ▲ +9.6% |
| 2024 | 0.01x | $34.50 Million | $33.18 Million | $2.73 Billion | ▲ +17.0% |
| 2023 | 0.01x | $29.15 Million | $26.54 Million | $2.70 Billion | ▼ -33.8% |
| 2022 | 0.02x | $34.87 Million | $33.24 Million | $2.13 Billion | ▼ -20.7% |
| 2021 | 0.02x | $39.80 Million | $38.69 Million | $1.93 Billion | ▲ +174.0% |
| 2020 | 0.01x | $12.76 Million | $11.82 Million | $1.70 Billion | ▼ -55.7% |
| 2019 | 0.02x | $22.25 Million | $21.77 Million | $1.31 Billion | ▼ -0.3% |
| 2018 | 0.02x | $21.99 Million | $21.49 Million | $1.29 Billion | ▲ +31.6% |
| 2017 | 0.01x | $15.95 Million | $15.74 Million | $1.23 Billion | ▼ -15.2% |
| 2016 | 0.02x | $16.78 Million | $16.19 Million | $1.10 Billion | ▲ +17.2% |
| 2015 | 0.01x | $13.59 Million | $12.81 Million | $1.04 Billion | ▼ -38.6% |
| 2014 | 0.02x | $17.49 Million | $16.18 Million | $824.52 Million | ▼ -3.8% |
| 2013 | 0.02x | $18.14 Million | $17.82 Million | $822.88 Million | ▲ +14.7% |
| 2012 | 0.02x | $15.25 Million | $14.81 Million | $792.95 Million | ▼ -5.6% |
| 2011 | 0.02x | $16.25 Million | $15.56 Million | $797.10 Million | ▲ +7.5% |
| 2010 | 0.02x | $14.11 Million | $12.82 Million | $743.84 Million | ▲ +10.2% |
| 2009 | 0.02x | $11.49 Million | $9.93 Million | $667.95 Million | ▼ -8.2% |
| 2008 | 0.02x | $11.54 Million | $10.41 Million | $615.84 Million | ▲ +19.1% |
| 2007 | 0.02x | $8.53 Million | $8.07 Million | $542.50 Million | ▲ +4.6% |
| 2006 | 0.02x | $7.95 Million | $7.01 Million | $528.67 Million | ▼ -19.6% |
| 2005 | 0.02x | $9.12 Million | $7.82 Million | $487.68 Million | ▼ -9.6% |
| 2004 | 0.02x | $9.49 Million | $7.17 Million | $458.56 Million | ▼ -3.5% |
| 2003 | 0.02x | $9.12 Million | $8.63 Million | $425.35 Million | ▼ -5.2% |
| 2002 | 0.02x | $8.91 Million | $8.44 Million | $394.25 Million | ▲ +55.2% |
| 2001 | 0.01x | $5.65 Million | $3.56 Million | $387.72 Million | ▼ -42.1% |
| 2000 | 0.03x | $9.63 Million | $3.91 Million | $382.78 Million | ▲ +33.2% |
| 1999 | 0.02x | $5.92 Million | $4.89 Million | $313.70 Million | ▲ +16.1% |
| 1998 | 0.02x | $4.64 Million | $4.64 Million | $284.97 Million | ▼ -25.1% |
| 1997 | 0.02x | $5.84 Million | $5.84 Million | $268.89 Million | ▲ +41.3% |
| 1996 | 0.02x | $4.00 Million | $3.75 Million | $259.91 Million | ▼ -5.3% |
| 1995 | 0.02x | $3.67 Million | $3.67 Million | $225.80 Million | ▼ -7.7% |
| 1994 | 0.02x | $3.76 Million | $3.76 Million | $213.63 Million | ▲ +33.4% |
| 1993 | 0.01x | $2.61 Million | $2.61 Million | $197.90 Million | — |