Citizens Financial Services (CZFS) Debt Ratio (2013 - 2025)

Citizens Financial Services' Debt Ratio history runs 13 years deep, the most recent figure standing at 0.09 for Q4 2025.

• In Q4 2025, Debt Ratio rose 2.87% year-over-year to 0.09; the TTM figure through Dec 2025 stood at 0.09 (up 2.87% YoY), while the FY2025 annual figure was 0.09, up 2.87% from the prior year.
• Debt Ratio was 0.09 for Q4 2025 at Citizens Financial Services, up from 0.09 in the prior quarter.
• In the past five years, Debt Ratio ranged from a high of 0.1 in Q4 2022 to a low of 0.02 in Q4 2021.
• Historically, Debt Ratio has averaged 0.08 across 5 years, with a median of 0.09 in 2024.
• The sharpest annual moves came in 2021 and 2022: Debt Ratio slumped 33.27% in 2021, then surged 353.27% in 2022.
• A 5-year view of Debt Ratio shows it stood at 0.02 in 2021, then soared by 353.27% to 0.1 in 2022, then decreased by 12.9% to 0.09 in 2023, then advanced by 4.35% to 0.09 in 2024, then gained by 2.87% to 0.09 in 2025.
• The last three Debt Ratio figures came in at 0.09 (Q4 2025), 0.09 (Q4 2024), and 0.09 (Q4 2023), per Business Quant data.