Citizens Financial Services (CZFS) Debt to Equity (2013 - 2025)
Citizens Financial Services' quarterly Debt to Equity came in at $0.84 in Q4 2025, down 7.62% year-on-year from $0.9 in Q4 2024, and down 7.62% quarter-over-quarter from $0.9 in Q4 2024.
Citizens Financial Services has reported Debt to Equity for 13 years, with the latest figure at $0.84 in Q4 2025.
- For the quarter ending Q4 2025, Debt to Equity fell 7.62% year-over-year to $0.84; the trailing twelve-month figure through Dec 2025 stood at $0.84 (down 7.62% YoY), and the FY2025 full-year result was $0.84, down 7.62% from the prior year.
- Debt to Equity for Q4 2025 stood at $0.84, down from $0.9 in the prior quarter.
- The five-year high for Debt to Equity was $1.15 in Q4 2022, with the low at $0.22 in Q4 2021.
- Average Debt to Equity over 5 years is $0.8, with a median of $0.9 recorded in 2024.
- Year-over-year, Debt to Equity plunged 30.86% in 2021 and soared 423.77% in 2022.
- Tracing CZFS's Debt to Equity over 5 years: stood at $0.22 in 2021, then soared by 423.77% to $1.15 in 2022, then retreated by 20.52% to $0.91 in 2023, then decreased by 0.98% to $0.9 in 2024, then fell 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.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt/Equity (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | 0.66 |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | - |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 0.13 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 7.86 |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | 0.20 |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 0.34 |
| 10 | Citizens Financial Services | 305.16 Mn | 264.95 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 |