Citizens Financial Services Inc. Common Stock (CZFS) — 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). Check Citizens Financial Services Inc. Common (CZFS) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see cash efficiency ratio of Citizens Financial Services Inc. Common .
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. Explore Citizens Financial Services Inc. Common debt service capacity to assess how comfortably operating cash covers total debt obligations.
| 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 | — |