Citizens Financial Services Inc. Common Stock Tangible Net Worth Ratio
Citizens Financial Services Inc. Common Stock tangible net worth ratio. Citizens Financial Services Inc. Common Stock (CZFS) has a Tangible Net Worth Ratio of 99.5% as of June 2026. This metric is calculated by deducting intangible assets ($1.93 Million) from net assets ($352.83 Million) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. Check strategic asset allocation of Citizens Financial Services Inc. Common to assess the company's strategic physical and investment asset allocation.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Tangible Net Worth Ratio of Citizens Financial Services Inc. Common Stock (1993–2025)
Tangible net worth ratio of Citizens Financial Services Inc. Common Stock from 1993 to 2025. This chart shows how Citizens Financial Services Inc. Common Stock's Tangible Net Worth Ratio has changed across 33 annual periods from 1993 to 2025. As of June 2026, the ratio stands at 99.5%, reflecting net assets of $352.83 Million with intangible assets of $1.93 Million USD. See CZFS net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Citizens Financial Services Inc. Common Stock Tangible Net Worth Ratio by Year (1993–2025)
Citizens Financial Services Inc. Common Stock tangible net worth ratio by year from 1993 to 2025. The table below presents the year-by-year Tangible Net Worth Ratio for Citizens Financial Services Inc. Common Stock from 1993 to 2025, covering 33 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For live market cap and overall valuation, see Citizens Financial Services Inc. Common market cap and net worth.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 99.3% | $338.05 Million | $2.22 Million | $3.06 Billion | ▲ +0.3 pp |
| 2024 | 99.0% | $299.73 Million | $2.89 Million | $3.03 Billion | ▲ +0.3 pp |
| 2023 | 98.7% | $279.67 Million | $3.65 Million | $2.98 Billion | ▼ -0.7 pp |
| 2022 | 99.4% | $200.15 Million | $1.27 Million | $2.33 Billion | ▲ +0.1 pp |
| 2021 | 99.2% | $212.49 Million | $1.63 Million | $2.14 Billion | ▲ +0.1 pp |
| 2020 | 99.1% | $194.26 Million | $1.67 Million | $1.89 Billion | ▲ +0.0 pp |
| 2019 | 99.1% | $154.77 Million | $1.35 Million | $1.47 Billion | ▲ +0.3 pp |
| 2018 | 98.8% | $139.23 Million | $1.62 Million | $1.43 Billion | ▲ +0.3 pp |
| 2017 | 98.5% | $129.01 Million | $1.95 Million | $1.36 Billion | ▲ +0.2 pp |
| 2016 | 98.3% | $123.27 Million | $2.10 Million | $1.22 Billion | ▲ +0.3 pp |
| 2015 | 98.0% | $119.76 Million | $2.44 Million | $1.16 Billion | ▼ -1.6 pp |
| 2014 | 99.5% | $100.53 Million | $473.00K | $925.05 Million | ▲ +10.7 pp |
| 2013 | 88.9% | $92.06 Million | $10.26 Million | $914.93 Million | ▲ +0.3 pp |
| 2012 | 88.5% | $89.47 Million | $10.26 Million | $882.43 Million | ▲ +1.1 pp |
| 2011 | 87.4% | $81.47 Million | $10.27 Million | $878.57 Million | ▲ +2.4 pp |
| 2010 | 85.0% | $68.69 Million | $10.29 Million | $812.53 Million | ▲ +1.8 pp |
| 2009 | 83.3% | $61.53 Million | $10.30 Million | $729.48 Million | ▲ +3.1 pp |
| 2008 | 80.2% | $52.77 Million | $10.46 Million | $668.61 Million | ▼ -1.5 pp |
| 2007 | 81.7% | $48.53 Million | $8.89 Million | $591.03 Million | ▲ +2.4 pp |
| 2006 | 79.2% | $43.50 Million | $9.04 Million | $572.17 Million | ▼ -19.1 pp |
| 2005 | 98.4% | $41.56 Million | $684.00K | $529.24 Million | ▲ +1.4 pp |
| 2004 | 96.9% | $40.79 Million | $1.26 Million | $499.35 Million | ▲ +1.3 pp |
| 2003 | 95.6% | $38.53 Million | $1.70 Million | $463.88 Million | ▲ +0.7 pp |
| 2002 | 94.9% | $38.41 Million | $1.98 Million | $432.66 Million | ▲ +0.8 pp |
| 2001 | 94.1% | $33.39 Million | $1.99 Million | $421.11 Million | ▲ +1.6 pp |
| 2000 | 92.4% | $30.55 Million | $2.32 Million | $413.33 Million | ▼ -7.6 pp |
| 1999 | 100.0% | $27.08 Million | $0.00 | $340.78 Million | ▲ +0.0 pp |
| 1998 | 100.0% | $28.60 Million | $0.00 | $313.56 Million | ▲ +0.0 pp |
| 1997 | 100.0% | $25.92 Million | $0.00 | $294.81 Million | ▲ +0.0 pp |
| 1996 | 100.0% | $22.90 Million | $0.00 | $282.81 Million | ▲ +0.0 pp |
| 1995 | 100.0% | $21.30 Million | $0.00 | $247.09 Million | ▲ +0.0 pp |
| 1994 | 100.0% | $18.90 Million | $0.00 | $232.54 Million | ▲ +0.0 pp |
| 1993 | 100.0% | $18.34 Million | $0.00 | $216.24 Million | — |