Citizens Financial Services Inc. Common Stock Working Capital to Net Assets Ratio
Citizens Financial Services Inc. Common Stock working capital to net assets ratio. Citizens Financial Services Inc. Common Stock (CZFS) has a Working Capital to Net Assets ratio of 10.7% as of June 2026. Working capital of $37.91 Million (current assets of $41.27 Million minus current liabilities of $3.36 Million) is measured against net assets of $352.83 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. Check how tangible is Citizens Financial Services Inc. Common 's equity to evaluate the tangible quality of the company's equity base.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Working Capital to Net Assets Ratio of Citizens Financial Services Inc. Common Stock (1993–2025)
Working capital to net assets ratio of Citizens Financial Services Inc. Common Stock from 1993 to 2025. This chart shows how Citizens Financial Services Inc. Common Stock's Working Capital to Net Assets ratio has evolved across 33 annual periods from 1993 to 2025. As of June 2026, the ratio stands at 10.7%, reflecting working capital of $37.91 Million against net assets of $352.83 Million USD. See Citizens Financial Services Inc. Common liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Citizens Financial Services Inc. Common Stock Working Capital to Net Assets Ratio by Year (1993–2025)
Citizens Financial Services Inc. Common Stock working capital to net assets ratio by year from 1993 to 2025. The table below presents the year-by-year Working Capital to Net Assets ratio for Citizens Financial Services Inc. Common Stock from 1993 to 2025, covering 33 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For the complete balance sheet picture, see Citizens Financial Services Inc. Common (CZFS) total assets.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -683.5% | $-2.31 Billion | $338.05 Million | $84.86 Million | $2.40 Billion | ▲ +86.5 pp |
| 2024 | -770.1% | $-2.31 Billion | $299.73 Million | $103.45 Million | $2.41 Billion | ▼ -101.1 pp |
| 2023 | -669.0% | $-1.87 Billion | $279.67 Million | $485.53 Million | $2.36 Billion | ▲ +13.7 pp |
| 2022 | -682.7% | $-1.37 Billion | $200.15 Million | $479.10 Million | $1.85 Billion | ▼ -101.3 pp |
| 2021 | -581.4% | $-1.24 Billion | $212.49 Million | $601.50 Million | $1.84 Billion | ▲ +39.6 pp |
| 2020 | -620.9% | $-1.21 Billion | $194.26 Million | $383.65 Million | $1.59 Billion | ▼ -17.4 pp |
| 2019 | -603.6% | $-934.17 Million | $154.77 Million | $278.04 Million | $1.21 Billion | ▲ +48.9 pp |
| 2018 | -652.5% | $-908.48 Million | $139.23 Million | $277.76 Million | $1.19 Billion | ▼ -18.4 pp |
| 2017 | -634.1% | $-818.06 Million | $129.01 Million | $287.78 Million | $1.11 Billion | ▼ -102.2 pp |
| 2016 | -531.9% | $-655.65 Million | $123.27 Million | $350.57 Million | $1.01 Billion | ▼ -37.0 pp |
| 2015 | -494.9% | $-592.74 Million | $119.76 Million | $396.03 Million | $988.76 Million | ▼ -49.8 pp |
| 2014 | -445.2% | $-447.52 Million | $100.53 Million | $327.17 Million | $774.69 Million | ▲ +6.3 pp |
| 2013 | -451.5% | $-415.62 Million | $92.06 Million | $333.59 Million | $749.21 Million | ▼ -6.8 pp |
| 2012 | -444.6% | $-397.84 Million | $89.47 Million | $340.40 Million | $738.24 Million | ▲ +25.0 pp |
| 2011 | -469.7% | $-382.63 Million | $81.47 Million | $352.88 Million | $735.50 Million | ▲ +454.8 pp |
| 2010 | -924.5% | $-635.04 Million | $68.69 Million | $47.45 Million | $682.49 Million | ▲ +6.8 pp |
| 2009 | -931.3% | $-573.01 Million | $61.53 Million | $34.59 Million | $607.60 Million | ▲ +65.7 pp |
| 2008 | -997.1% | $-526.14 Million | $52.77 Million | $22.77 Million | $548.91 Million | ▼ -79.4 pp |
| 2007 | -917.6% | $-445.32 Million | $48.53 Million | $12.91 Million | $458.23 Million | ▲ +85.4 pp |
| 2006 | -1003.1% | $-436.33 Million | $43.50 Million | $12.47 Million | $448.80 Million | ▲ +80.8 pp |
| 2005 | -1083.8% | $-450.46 Million | $41.56 Million | $10.77 Million | $461.23 Million | ▼ -35.0 pp |
| 2004 | -1048.9% | $-427.82 Million | $40.79 Million | $11.07 Million | $438.89 Million | ▼ -33.1 pp |
| 2003 | -1015.8% | $-391.37 Million | $38.53 Million | $11.65 Million | $403.02 Million | ▼ -74.4 pp |
| 2002 | -941.4% | $-361.56 Million | $38.41 Million | $13.57 Million | $375.13 Million | ▲ +134.7 pp |
| 2001 | -1076.1% | $-359.29 Million | $33.39 Million | $13.47 Million | $372.76 Million | ▲ +38.4 pp |
| 2000 | -1114.5% | $-340.47 Million | $30.55 Million | $29.94 Million | $370.40 Million | ▼ -94.5 pp |
| 1999 | -1020.0% | $-276.23 Million | $27.08 Million | $10.64 Million | $286.88 Million | ▼ -86.1 pp |
| 1998 | -933.9% | $-267.06 Million | $28.60 Million | $9.49 Million | $276.56 Million | ▲ +31.9 pp |
| 1997 | -965.7% | $-250.34 Million | $25.92 Million | $8.77 Million | $259.11 Million | ▲ +51.9 pp |
| 1996 | -1017.6% | $-233.08 Million | $22.90 Million | $9.39 Million | $242.47 Million | ▼ -44.5 pp |
| 1995 | -973.1% | $-207.24 Million | $21.30 Million | $8.18 Million | $215.42 Million | ▲ +16.3 pp |
| 1994 | -989.4% | $-187.03 Million | $18.90 Million | $9.14 Million | $196.17 Million | ▲ +12.4 pp |
| 1993 | -1001.8% | $-183.72 Million | $18.34 Million | $9.01 Million | $192.73 Million | — |