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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
US Market
CZFS
Citizens Financial Services
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Citizens Financial Services (CZFS) Ratios

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Citizens Financial Services Ratios

CZFS's free cash flow for Q2 2026 was $0.67. For the 2026 fiscal year, CZFS's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 12.29 0.04 0.04 0.21 0.26
Quick Ratio
 12.29 0.04 0.04 0.21 0.26
Cash Ratio
 11.74 0.02 0.02 0.02 0.02
Solvency Ratio
 0.02 0.01 0.01 <0.01 0.01
Operating Cash Flow Ratio
 11.18 0.02 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 2.36 1.33 0.87 0.14
Net Current Asset Value
$ -2.80B$ -2.64B$ -2.62B$ -2.21B$ -1.65B
Leverage Ratios
Debt-to-Assets Ratio
 0.12 0.10 0.10 0.10 0.11
Debt-to-Equity Ratio
 1.12 0.92 0.99 1.08 1.29
Debt-to-Capital Ratio
 0.53 0.48 0.50 0.52 0.56
Long-Term Debt-to-Capital Ratio
 0.53 0.47 0.48 0.49 0.12
Financial Leverage Ratio
 9.05 9.07 10.09 10.64 11.66
Debt Service Coverage Ratio
 0.74 0.50 0.32 0.25 0.12
Interest Coverage Ratio
 0.87 0.74 0.50 0.46 3.16
Debt to Market Cap
 1.04 1.13 1.00 1.08 0.86
Interest Debt Per Share
 94.21 77.25 76.96 78.83 66.31
Net Debt to EBITDA
 6.76 5.75 7.09 10.64 6.16
Profitability Margins
Gross Profit Margin
65.87%63.32%58.22%62.24%86.14%
EBIT Margin
28.62%26.03%19.98%15.51%38.13%
EBITDA Margin
29.81%27.24%21.05%16.61%39.24%
Operating Profit Margin
28.62%26.03%19.98%15.51%38.13%
Pretax Profit Margin
28.62%26.03%19.98%15.51%38.13%
Net Profit Margin
23.34%21.11%16.50%12.84%31.22%
Continuous Operations Profit Margin
23.34%21.11%16.50%12.84%31.22%
Net Income Per EBT
81.55%81.11%82.59%82.78%81.87%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.29%1.19%0.92%0.60%1.25%
Return on Equity (ROE)
12.05%10.82%9.28%6.37%14.52%
Return on Capital Employed (ROCE)
1.58%6.74%5.48%3.48%7.27%
Return on Invested Capital (ROIC)
1.29%5.34%4.35%2.74%4.04%
Return on Tangible Assets
1.32%1.23%0.95%0.62%1.26%
Earnings Yield
10.84%13.37%9.34%6.34%9.64%
Efficiency Ratios
Receivables Turnover
 16.10 16.19 16.36 12.56 12.70
Payables Turnover
 17.88 20.30 15.01 12.19 10.48
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 8.51 8.25 7.88 6.49 5.28
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.16 -0.08 -0.08 -0.09 -0.07
Cash Conversion Cycle
 2.25 4.56 -2.00 -0.89 -6.10
Days of Sales Outstanding
 22.67 22.54 22.31 29.06 28.75
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 20.42 17.98 24.31 29.95 34.84
Operating Cycle
 22.67 22.54 22.31 29.06 28.75
Cash Flow Ratios
Operating Cash Flow Per Share
 7.82 7.62 6.99 6.00 8.21
Free Cash Flow Per Share
 7.95 7.35 6.71 5.40 7.81
CapEx Per Share
 0.12 0.27 0.28 0.59 0.40
Free Cash Flow to Operating Cash Flow
 1.02 0.96 0.96 0.90 0.95
Dividend Paid and CapEx Coverage Ratio
 3.66 3.37 3.13 2.39 3.60
Capital Expenditure Coverage Ratio
 62.87 28.19 25.25 10.14 20.34
Operating Cash Flow Coverage Ratio
 0.10 0.12 0.11 0.09 0.13
Operating Cash Flow to Sales Ratio
 0.21 0.21 0.20 0.19 0.36
Free Cash Flow Yield
10.05%12.88%10.70%8.52%10.48%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.21 7.48 10.81 15.76 10.37
Price-to-Sales (P/S) Ratio
 2.16 1.58 1.77 2.02 3.24
Price-to-Book (P/B) Ratio
 1.07 0.81 0.99 1.00 1.51
Price-to-Free Cash Flow (P/FCF) Ratio
 9.95 7.76 9.34 11.74 9.54
Price-to-Operating Cash Flow Ratio
 10.09 7.49 8.97 10.58 9.07
Price-to-Earnings Growth (PEG) Ratio
 0.30 0.24 0.24 -0.36 73.56
Enterprise Value Multiple
 14.00 11.55 15.48 22.83 14.41
Enterprise Value
 733.90M 544.89M 549.43M 525.93M 526.50M
EV to EBITDA
 14.00 11.55 15.48 22.83 14.41
EV to Sales
 4.17 3.15 3.26 3.79 5.66
EV to Free Cash Flow
 19.25 15.46 17.24 21.99 16.66
EV to Operating Cash Flow
 19.55 14.91 16.56 19.82 15.84
Tangible Book Value Per Share
 55.26 52.13 44.44 42.99 41.37
Shareholders’ Equity Per Share
 73.54 70.46 63.10 63.19 49.43
Tax and Other Ratios
Effective Tax Rate
 0.18 0.19 0.17 0.17 0.18
Revenue Per Share
 36.66 36.11 35.50 31.34 22.99
Net Income Per Share
 8.56 7.62 5.86 4.02 7.18
Tax Burden
 0.82 0.81 0.83 0.83 0.82
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.27 0.27 0.25 0.26 0.31
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.91 1.00 1.19 1.49 1.14
Currency in USD