Citizens Financial Services Inc. Common Stock (CZFS) - Total Liabilities
Based on the latest financial reports, Citizens Financial Services Inc. Common Stock (CZFS) has total liabilities worth $2.84 Billion USD as of June 2026. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore Citizens Financial Services Inc. Common long-term investment intensity to see how much of total assets are deployed in long-term investments.
Citizens Financial Services Inc. Common Stock - Total Liabilities Trend (1993–2025)
This chart illustrates how Citizens Financial Services Inc. Common Stock's total liabilities have evolved over time, based on quarterly financial data. For the complete balance sheet picture, see CZFS total assets.
Citizens Financial Services Inc. Common Stock Competitors by Total Liabilities
The table below lists competitors of Citizens Financial Services Inc. Common Stock ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Beijing ZEHO Waterfront Ecological Environment Treatment Co Ltd
SHG:605069
|
China | CN¥2.27 Billion |
|
Guangdong Liantai Environmental Protection Co Ltd
SHG:603797
|
China | CN¥6.40 Billion |
|
Primis Financial Corp
NASDAQ:FRST
|
USA | $3.92 Billion |
|
Y mAbs Therapeutics
NASDAQ:YMAB
|
USA | $29.72 Million |
|
TRX Gold Corporation
TO:TRX
|
Canada | CA$45.94 Million |
|
Xinjiang Tianrun Dairy Co Ltd
SHG:600419
|
China | CN¥3.17 Billion |
|
Shinhsiung Natural Gas
TWO:8908
|
Taiwan | NT$7.86 Billion |
|
Shandong Yabo Technology Co Ltd
SHE:002323
|
China | CN¥671.67 Million |
Liability Composition Analysis (1993–2025)
This chart breaks down Citizens Financial Services Inc. Common Stock's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. See Citizens Financial Services Inc. Common balance sheet independence to measure how much of total assets are equity-financed.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 12.29 | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 8.05 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.89 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how Citizens Financial Services Inc. Common Stock's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for Citizens Financial Services Inc. Common Stock (1993–2025)
The table below shows the annual total liabilities of Citizens Financial Services Inc. Common Stock from 1993 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | $2.73 Billion | +0.02% |
| 2024-12-31 | $2.73 Billion | +1.13% |
| 2023-12-31 | $2.70 Billion | +26.36% |
| 2022-12-31 | $2.13 Billion | +10.45% |
| 2021-12-31 | $1.93 Billion | +13.78% |
| 2020-12-31 | $1.70 Billion | +29.42% |
| 2019-12-31 | $1.31 Billion | +1.55% |
| 2018-12-31 | $1.29 Billion | +4.75% |
| 2017-12-31 | $1.23 Billion | +12.11% |
| 2016-12-31 | $1.10 Billion | +5.42% |
| 2015-12-31 | $1.04 Billion | +26.53% |
| 2014-12-31 | $824.52 Million | +0.20% |
| 2013-12-31 | $822.88 Million | +3.77% |
| 2012-12-31 | $792.95 Million | -0.52% |
| 2011-12-31 | $797.10 Million | +7.16% |
| 2010-12-31 | $743.84 Million | +11.36% |
| 2009-12-31 | $667.95 Million | +8.46% |
| 2008-12-31 | $615.84 Million | +13.52% |
| 2007-12-31 | $542.50 Million | +2.62% |
| 2006-12-31 | $528.67 Million | +8.40% |
| 2005-12-31 | $487.68 Million | +6.35% |
| 2004-12-31 | $458.56 Million | +7.81% |
| 2003-12-31 | $425.35 Million | +7.89% |
| 2002-12-31 | $394.25 Million | +1.68% |
| 2001-12-31 | $387.72 Million | +1.29% |
| 2000-12-31 | $382.78 Million | +22.02% |
| 1999-12-31 | $313.70 Million | +10.08% |
| 1998-12-31 | $284.97 Million | +5.98% |
| 1997-12-31 | $268.89 Million | +3.46% |
| 1996-12-31 | $259.91 Million | +15.11% |
| 1995-12-31 | $225.80 Million | +5.69% |
| 1994-12-31 | $213.63 Million | +7.95% |
| 1993-12-31 | $197.90 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