Citizens Financial Services Inc. Common Stock Total Assets
Citizens Financial Services Inc. Common Stock total assets. Based on the latest financial reports, Citizens Financial Services Inc. Common Stock (CZFS) holds total assets worth $3.19 Billion USD as of June 2026. 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. Also see Citizens Financial Services Inc. Common (CZFS) total market value for the company's overall valuation and market capitalisation.
Total Assets of Citizens Financial Services Inc. Common Stock (1993–2025)
Total assets of Citizens Financial Services Inc. Common Stock from 1993 to 2025. This chart illustrates how Citizens Financial Services Inc. Common Stock's total assets have evolved over time, based on quarterly financial data. See Citizens Financial Services Inc. Common (CZFS) stock price for real-time trading data and today's change.
Citizens Financial Services Inc. Common Stock - Asset Composition Analysis
Citizens Financial Services Inc. Common Stock Total Assets Breakdown (December 2025)
Citizens Financial Services Inc. Common Stock total assets breakdown as of December 2025. Citizens Financial Services Inc. Common Stock's total assets of $3.19 Billion consist of 2.8% current assets and 97.2% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 1.2% |
| 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. Explore Citizens Financial Services Inc. Common current assets vs equity to assess how much short-term liquidity the company maintains relative to its equity base.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Citizens Financial Services Inc. Common Stock's current assets represent 2.8% of total assets in 2025, a decrease from 4.2% in 1993.
- Cash Position: Cash and equivalents constituted 1.2% 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 |
|---|---|---|
|
Lloyds Banking Group plc
F:LLD2
|
Germany | €994.16 Billion |
|
JAPAN POST BK UNSP.ADR/1
F:5JP0
|
Germany | €232.94 Trillion |
|
Commerzbank AG
XETRA:CBK
|
Germany | €603.30 Billion |
|
CIMB Group Holdings Bhd
KLSE:1023
|
Malaysia | RM794.85 Billion |
|
SJF Bank A/S
CO:SJF
|
Denmark | Dkr36.72 Billion |
|
BNK Banking Corporation Ltd
AU:BBC
|
Australia | AU$1.28 Billion |
|
Banco Bradesco DRC
BA:BBD
|
Argentina | AR$2.20 Trillion |
|
Grupo Financiero Galicia S.A.
BA:GGAL
|
Argentina | AR$45.67 Trillion |
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 | 12.29 | 0.06 | 0.30 |
| Quick Ratio | 12.29 | 0.06 | 0.66 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $37.91 Million | $-2.17 Billion | $-1.23 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 | 1.13 |
| Latest Market Cap to Assets Ratio | 0.13 |
| Asset Growth Rate (YoY) | 1.3% |
| Total Assets | $3.06 Billion |
| Market Capitalization | $395.42 Million USD |
Valuation Analysis
Below Book Valuation: The market values Citizens Financial Services Inc. Common Stock's assets below their book value (0.13x), 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; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state … Read more