Citizens Financial Services Inc. Common Stock Financial Flexibility Index
Citizens Financial Services Inc. Common Stock financial flexibility index. Citizens Financial Services Inc. Common Stock (CZFS) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $198.00K (operating CF $-89.00K minus capex $287.00K) represents 0% of total liabilities ($2.84 Billion). See CZFS free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Citizens Financial Services Inc. Common Stock (1993–2025)
Financial flexibility index of Citizens Financial Services Inc. Common Stock from 1993 to 2025. Historical Financial Flexibility Index trend for Citizens Financial Services Inc. Common Stock across 33 annual periods. Check earnings quality score of Citizens Financial Services Inc. Common to evaluate the quality of earnings relative to operating cash generation.
Citizens Financial Services Inc. Common Stock Financial Flexibility Index by Year (1993–2025)
Citizens Financial Services Inc. Common Stock financial flexibility index by year from 1993 to 2025. Year-by-year free cash flow to debt coverage for Citizens Financial Services Inc. Common Stock. For the full cash flow conversion analysis, see Citizens Financial Services Inc. Common (CZFS) cash conversion ratio.
| 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 | — |