Citizens Financial Services (CZFS) Debt Ratio (2013 - 2025)
Citizens Financial Services (CZFS) posted Debt Ratio of 0.1 for Q4 2025, down 99.91% on a QoQ basis from 112.99 in Q4 2024, and down 99.91% year-over-year from 112.99 in Q4 2024.
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Analysis
Citizens Financial Services (CZFS) Debt Ratio (2013 - 2025) Analysis & Trends
Citizens Financial Services has reported Debt Ratio for 13 years, with the latest figure at 0.1 in Q4 2025.
- On a quarterly basis, Debt Ratio fell 99.91% year-over-year to 0.1 in Q4 2025; TTM through Dec 2025 was 0.1, a 99.91% decrease from a year earlier, with the FY2025 full-year figure at 0.1, down 99.91% from the prior year.
- Debt Ratio was 0.1 for Q4 2025 at Citizens Financial Services, down from 112.99 in the prior quarter.
- The five-year high for Debt Ratio was 4053.74 in Q4 2022, with the low at 0.1 in Q4 2025.
- Average Debt Ratio over 5 years is 1230.82, with a median of 112.99 recorded in 2024.
- The sharpest annual moves came in 2022 and 2025: Debt Ratio soared 5640.64% in 2022, then sank 99.91% in 2025.
- Over 5 years, Debt Ratio stood at 70.61 in 2021, then jumped by 5640.64% to 4053.74 in 2022, then tumbled by 52.72% to 1916.66 in 2023, then sank by 94.11% to 112.99 in 2024, then tumbled by 99.91% to 0.1 in 2025.
- The last three Debt Ratio figures came in at 0.1 (Q4 2025), 112.99 (Q4 2024), and 1916.66 (Q4 2023), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | 0.01 |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 0.17 |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 0.09 |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 0.10 |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 0.09 |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 0.07 |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 0.07 |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 0.08 |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 0.14 |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 0.10 |
| Dec 31, 2024 | 112.99 |
| Dec 31, 2023 | 1,916.66 |
| Dec 31, 2022 | 4,053.74 |
| Dec 31, 2021 | 70.61 |
| Dec 31, 2020 | 245.95 |
| Dec 31, 2019 | 16.58 |
| Dec 31, 2018 | 199.86 |
| Dec 31, 2017 | 109.80 |
| Dec 31, 2016 | 114.79 |
| Dec 31, 2015 | 111.67 |
| Dec 31, 2014 | 33.12 |
| Dec 31, 2013 | 59.68 |
API Access
Citizens Financial Services Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "CZFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();