Citizens Financial Services Inc. Common Stock (CZFS) - Total Assets
Based on the latest financial reports, Citizens Financial Services Inc. Common Stock (CZFS) holds total assets worth $3.06 Billion USD as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. See shareholders equity of Citizens Financial Services Inc. Common for net asset value and shareholders' equity analysis.
Citizens Financial Services Inc. Common Stock - Total Assets Trend (1993–2025)
This chart illustrates how Citizens Financial Services Inc. Common Stock's total assets have evolved over time, based on quarterly financial data.
Citizens Financial Services Inc. Common Stock - Asset Composition Analysis
Current Asset Composition (December 2025)
Citizens Financial Services Inc. Common Stock's total assets of $3.06 Billion consist of 16.0% current assets and 84.0% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 1.1% |
| Accounts Receivable | $10.70 Million | 0.4% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $2.22 Million | 0.1% |
| Goodwill | $85.76 Million | 2.8% |
Asset Composition Trend (1993–2025)
This chart illustrates how Citizens Financial Services Inc. Common Stock's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see CZFS market cap.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Citizens Financial Services Inc. Common Stock's current assets represent 16.0% of total assets in 2025, an increase from 4.2% in 1993.
- Cash Position: Cash and equivalents constituted 1.1% of total assets in 2025, down from 2.6% in 1993.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 0.0% in 1993.
- Asset Diversification: The largest asset category is goodwill at 2.8% of total assets.
Citizens Financial Services Inc. Common Stock Competitors by Total Assets
Key competitors of Citizens Financial Services Inc. Common Stock based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Bank of Shanghai Co Ltd
SHG:601229
|
China | CN¥3.31 Trillion |
|
Spar Nord Bank
CO:SPNO
|
Denmark | Dkr143.85 Billion |
|
Bank of Queensland Ltd
AU:BOQ
|
Australia | AU$100.53 Billion |
|
PT Super Bank Indonesia Tbk
JK:SUPA
|
Indonesia | Rp14.88 Trillion |
|
Bk Harda Internasional Tbk Pt
JK:BBHI
|
Indonesia | Rp18.47 Trillion |
|
Bank Ina Perdana PT
JK:BINA
|
Indonesia | Rp30.24 Trillion |
|
CFM Indosuez Wealth SA
PA:MLCFM
|
France | €5.59 Billion |
|
UTKARSH SMALL FINANCE BANK ORD (BSE)
NSE:UTKARSHBNK
|
India | Rs273.84 Billion |
Citizens Financial Services Inc. Common Stock - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.94 | 0.04 | 0.29 |
| Quick Ratio | 0.94 | 0.04 | 0.29 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-30.06 Million | $-2.31 Billion | $-1.20 Billion |
Citizens Financial Services Inc. Common Stock - Advanced Valuation Insights
This section examines the relationship between Citizens Financial Services Inc. Common Stock's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.84 |
| Latest Market Cap to Assets Ratio | 0.09 |
| Asset Growth Rate (YoY) | 1.3% |
| Total Assets | $3.06 Billion |
| Market Capitalization | $287.27 Million USD |
Valuation Analysis
Below Book Valuation: The market values Citizens Financial Services Inc. Common Stock's assets below their book value (0.09x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Citizens Financial Services Inc. Common Stock's assets grew by 1.3% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Citizens Financial Services Inc. Common Stock (1993–2025)
The table below shows the annual total assets of Citizens Financial Services Inc. Common Stock from 1993 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $3.06 Billion | +1.28% |
| 2024-12-31 | $3.03 Billion | +1.69% |
| 2023-12-31 | $2.98 Billion | +27.51% |
| 2022-12-31 | $2.33 Billion | +8.84% |
| 2021-12-31 | $2.14 Billion | +13.33% |
| 2020-12-31 | $1.89 Billion | +29.01% |
| 2019-12-31 | $1.47 Billion | +2.49% |
| 2018-12-31 | $1.43 Billion | +5.05% |
| 2017-12-31 | $1.36 Billion | +11.35% |
| 2016-12-31 | $1.22 Billion | +5.16% |
| 2015-12-31 | $1.16 Billion | +25.72% |
| 2014-12-31 | $925.05 Million | +1.11% |
| 2013-12-31 | $914.93 Million | +3.68% |
| 2012-12-31 | $882.43 Million | +0.44% |
| 2011-12-31 | $878.57 Million | +8.13% |
| 2010-12-31 | $812.53 Million | +11.38% |
| 2009-12-31 | $729.48 Million | +9.10% |
| 2008-12-31 | $668.61 Million | +13.13% |
| 2007-12-31 | $591.03 Million | +3.30% |
| 2006-12-31 | $572.17 Million | +8.11% |
| 2005-12-31 | $529.24 Million | +5.99% |
| 2004-12-31 | $499.35 Million | +7.65% |
| 2003-12-31 | $463.88 Million | +7.22% |
| 2002-12-31 | $432.66 Million | +2.74% |
| 2001-12-31 | $421.11 Million | +1.88% |
| 2000-12-31 | $413.33 Million | +21.29% |
| 1999-12-31 | $340.78 Million | +8.68% |
| 1998-12-31 | $313.56 Million | +6.36% |
| 1997-12-31 | $294.81 Million | +4.24% |
| 1996-12-31 | $282.81 Million | +14.45% |
| 1995-12-31 | $247.09 Million | +6.26% |
| 1994-12-31 | $232.54 Million | +7.54% |
| 1993-12-31 | $216.24 Million | -- |
About Citizens Financial Services Inc. Common Stock
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state… Read more