Citizens Financial Services (CZFS) Debt to Equity (2013 - 2025)
Citizens Financial Services (CZFS) recorded quarterly Debt to Equity of $0.84 in Q4 2025, down 7.62% quarter-over-quarter from $0.9 in Q4 2024, and down 7.62% on a YoY basis from $0.9 in Q4 2024.
Citizens Financial Services (CZFS) Debt to Equity (2013 - 2025) Analysis & Trends
Citizens Financial Services' Debt to Equity history runs 13 years deep, the most recent figure standing at $0.84 for Q4 2025.
- In Q4 2025, Debt to Equity fell 7.62% year-over-year to $0.84; the TTM figure through Dec 2025 stood at $0.84 (down 7.62% YoY), while the FY2025 annual figure was $0.84, down 7.62% from the prior year.
- Debt to Equity was $0.84 for Q4 2025 at Citizens Financial Services, down from $0.9 in the prior quarter.
- In the past five years, Debt to Equity ranged from a high of $1.15 in Q4 2022 to a low of $0.22 in Q4 2021.
- Historically, Debt to Equity has averaged $0.8 across 5 years, with a median of $0.9 in 2024.
- The sharpest annual moves came in 2021 and 2022: Debt to Equity plunged 30.86% in 2021, then jumped 423.77% in 2022.
- A 5-year view of Debt to Equity shows it stood at $0.22 in 2021, then surged by 423.77% to $1.15 in 2022, then fell by 20.52% to $0.91 in 2023, then retreated by 0.98% to $0.9 in 2024, then declined by 7.62% to $0.84 in 2025.
- The last three Debt to Equity figures came in at $0.84 (Q4 2025), $0.9 (Q4 2024), and $0.91 (Q4 2023), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt/Equity (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 97,765.53 Bn | 97,765.53 Bn | - | 3.41 |
| 2 | Bank Bradesco | 6,846.93 Bn | 6,830.99 Bn | - | 0.66 |
| 3 | Lloyds Banking | 384.13 Bn | 384.40 Bn | - | - |
| 4 | First Capital | 215.78 Bn | 215.63 Bn | - | - |
| 5 | Itau Unibanco Holding | 202.78 Bn | 202.78 Bn | - | - |
| 6 | Landmark Bancorp | 180.37 Bn | 180.34 Bn | - | 0.13 |
| 7 | NatWest | 168.65 Bn | -51.67 Bn | - | 1.61 |
| 8 | Shinhan Financial | 136.54 Bn | 104.11 Bn | - | 0.19 |
| 9 | Mizuho Financial | 112.02 Bn | 112.56 Bn | - | 3.81 |
| 10 | Citizens Financial Services | 317.35 Mn | 277.14 Mn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 0.84 |
| Dec 31, 2024 | 0.90 |
| Dec 31, 2023 | 0.91 |
| Dec 31, 2022 | 1.15 |
| Dec 31, 2021 | 0.22 |
| Dec 31, 2020 | 0.32 |
| Dec 31, 2019 | 0.41 |
| Dec 31, 2018 | 0.56 |
| Dec 31, 2017 | 0.78 |
| Dec 31, 2016 | 0.52 |
| Dec 31, 2015 | 0.20 |
| Dec 31, 2014 | 0.29 |
| Dec 31, 2013 | 0.66 |