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 $2.73 Billion USD as of December 2025. 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 CZFS cash flow metrics to assess how effectively this company generates cash.
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. Check CZFS asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
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 |
|---|---|---|
|
Oncology Institute Inc
NASDAQ:TOI
|
USA | $175.89 Million |
|
E Split Corp Class A
TO:ENS
|
Canada | CA$231.30 Million |
|
Vátryggingafélag Íslands hf
IC:SKAGI
|
Iceland | Ikr44.30 Billion |
|
Companhia Brasileira de Distribuição
F:C1B2
|
Germany | €15.64 Billion |
|
Microbio Co Ltd
TWO:4128
|
Taiwan | NT$2.04 Billion |
|
NACCO Industries Inc
NYSE:NC
|
USA | $231.99 Million |
|
Norwood Financial Corp
NASDAQ:NWFL
|
USA | $2.18 Billion |
|
Rossari Biotech Limited
NSE:ROSSARI
|
India | Rs8.36 Billion |
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. For the full company profile including market capitalisation, see Citizens Financial Services Inc. Common market capitalisation.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 0.94 | 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 | 8.07 | 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. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state… Read more