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STOCKS

Citizens Financial Services (CZFS)

:CZFS

CZFS

Citizens Financial Services

RESEARCH TOOLSreports

Citizens Financial Services (CZFS) Ratios

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31 Followers

Citizens Financial Services Ratios

CZFS's free cash flow for Q2 2025 was $0.63. For the 2025 fiscal year, CZFS's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.21	0.21	388.88	845.99	377.24
Quick Ratio	0.21	0.21	421.47	1.11K	466.03
Cash Ratio	0.02	0.02	26.19	258.59	81.09
Solvency Ratio	0.01	<0.01	0.01	0.02	0.02
Operating Cash Flow Ratio	0.01	0.01	26.98	54.42	11.62
Short-Term Operating Cash Flow Coverage	0.00	0.87	0.00	0.00	0.00
Net Current Asset Value	$ -2.16B	$ -2.21B	$ -1.65B	$ -1.33B	$ -1.31B
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.10	0.11	0.03	0.05
Debt-to-Equity Ratio	1.00	1.08	1.29	0.35	0.46
Debt-to-Capital Ratio	0.50	0.52	0.56	0.26	0.31
Long-Term Debt-to-Capital Ratio	0.50	0.49	0.56	0.26	0.31
Financial Leverage Ratio	9.46	10.64	11.66	10.09	9.74
Debt Service Coverage Ratio	0.51	0.25	2.68	4.25	3.24
Interest Coverage Ratio	0.59	0.46	4.24	4.97	3.75
Debt to Market Cap	1.14	1.08	0.85	0.31	0.42
Interest Debt Per Share	78.92	78.83	66.97	20.15	24.72
Net Debt to EBITDA	6.54	10.64	6.16	-3.02	0.20
Profitability Margins
Gross Profit Margin	60.94%	62.24%	100.00%	100.00%	100.00%
EBIT Margin	22.64%	15.51%	43.35%	45.04%	41.25%
EBITDA Margin	23.68%	16.61%	44.62%	46.46%	42.80%
Operating Profit Margin	22.64%	15.51%	58.13%	45.04%	41.25%
Pretax Profit Margin	22.64%	15.51%	43.35%	45.04%	41.25%
Net Profit Margin	18.54%	12.84%	35.49%	37.13%	34.10%
Continuous Operations Profit Margin	18.54%	12.84%	35.49%	37.13%	34.10%
Net Income Per EBT	81.90%	82.78%	81.87%	82.45%	82.67%
EBT Per EBIT	100.00%	100.00%	74.58%	100.00%	100.00%
Return on Assets (ROA)	1.07%	0.60%	1.25%	1.36%	1.33%
Return on Equity (ROE)	10.36%	6.37%	14.52%	13.70%	12.92%
Return on Capital Employed (ROCE)	5.74%	3.48%	2.04%	1.65%	1.61%
Return on Invested Capital (ROIC)	-1.88%	2.74%	4.02%	2.73%	3.44%
Return on Tangible Assets	1.10%	0.62%	1.26%	1.38%	1.35%
Earnings Yield	11.54%	6.34%	9.64%	12.28%	11.90%
Efficiency Ratios
Receivables Turnover	16.07	12.56	11.17	14.98	12.27
Payables Turnover	24.29	12.19	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.83	6.49	4.65	4.61	4.34
Asset Turnover	0.06	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.08	-0.09	0.15	0.16	0.22
Cash Conversion Cycle	7.68	-0.89	32.69	24.37	29.74
Days of Sales Outstanding	22.71	29.06	32.69	24.37	29.74
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	15.03	29.95	0.00	0.00	0.00
Operating Cycle	22.71	29.06	32.69	24.37	29.74
Cash Flow Ratios
Operating Cash Flow Per Share	7.01	6.00	8.29	9.61	3.02
Free Cash Flow Per Share	6.56	5.40	7.88	9.34	2.77
CapEx Per Share	0.45	0.59	0.41	0.27	0.24
Free Cash Flow to Operating Cash Flow	0.94	0.90	0.95	0.97	0.92
Dividend Paid and CapEx Coverage Ratio	2.91	2.39	3.60	4.56	1.58
Capital Expenditure Coverage Ratio	15.51	10.14	20.34	35.02	12.55
Operating Cash Flow Coverage Ratio	0.11	0.09	0.13	0.52	0.13
Operating Cash Flow to Sales Ratio	0.20	0.19	0.41	0.49	0.16
Free Cash Flow Yield	11.47%	8.52%	10.48%	15.85%	5.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.66	15.76	10.38	8.14	8.40
Price-to-Sales (P/S) Ratio	1.61	2.02	3.68	3.02	2.87
Price-to-Book (P/B) Ratio	0.87	1.00	1.51	1.12	1.09
Price-to-Free Cash Flow (P/FCF) Ratio	8.72	11.74	9.54	6.31	19.39
Price-to-Operating Cash Flow Ratio	8.14	10.58	9.07	6.13	17.85
Price-to-Earnings Growth (PEG) Ratio	0.78	-0.36	75.13	0.62	0.41
Price-to-Fair Value	0.87	1.00	1.51	1.12	1.09
Enterprise Value Multiple	13.33	22.83	14.42	3.49	6.90
Enterprise Value	538.04M	525.93M	526.56M	127.21M	217.36M
EV to EBITDA	13.33	22.83	14.42	3.49	6.90
EV to Sales	3.16	3.79	6.43	1.62	2.95
EV to Free Cash Flow	17.10	21.99	16.66	3.38	19.98
EV to Operating Cash Flow	16.00	19.82	15.84	3.29	18.39
Tangible Book Value Per Share	46.97	42.99	41.78	44.60	41.12
Shareholders’ Equity Per Share	65.38	63.19	49.92	52.80	49.54
Tax and Other Ratios
Effective Tax Rate	0.18	0.17	0.18	0.18	0.17
Revenue Per Share	35.52	31.34	20.42	19.48	18.77
Net Income Per Share	6.59	4.02	7.25	7.24	6.40
Tax Burden	0.82	0.83	0.82	0.82	0.83
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	0.24	0.26	0.35	0.35	0.35
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	1.06	1.49	1.14	1.33	0.47

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