Citizens Financial Services (CZFS) Interest Coverage Ratio (2010 - 2026)
Citizens Financial Services' quarterly Interest Coverage Ratio came in at 1.9 in Q1 2026, up 19.39% year-on-year from 1.59 in Q1 2025, and up 1.11% quarter-over-quarter from 1.88 in Q4 2025.
Citizens Financial Services has reported Interest Coverage Ratio for 17 years, with the latest figure at 1.9 in Q1 2026.
- For the quarter ending Q1 2026, Interest Coverage Ratio rose 19.39% year-over-year to 1.9; the trailing twelve-month figure through Mar 2026 stood at 1.82 (up 19.63% YoY), and the FY2025 full-year result was 0.16, up 48.14% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 1.9, up from 1.88 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 6.29 in Q1 2022, with the low at 0.4 in Q2 2023.
- Average Interest Coverage Ratio over 5 years is 2.35, with a median of 1.69 recorded in 2025.
- Year-over-year, Interest Coverage Ratio plunged 93.33% in 2023 and soared 246.06% in 2024.
- Tracing CZFS's Interest Coverage Ratio over 5 years: stood at 2.92 in 2022, then tumbled by 46.65% to 1.56 in 2023, then climbed by 1.19% to 1.58 in 2024, then grew by 19.04% to 1.88 in 2025, then climbed by 1.11% to 1.9 in 2026.
- The last three Interest Coverage Ratio figures came in at 1.9 (Q1 2026), 1.88 (Q4 2025), and 1.82 (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | -3.29 |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 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 | - | 2.53 |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 2.21 |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | 1.32 |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | -36.40 |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 1.88 |
| 10 | Citizens Financial Services | 305.16 Mn | 264.95 Mn | - | 1.90 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.90 |
| Dec 31, 2025 | 1.88 |
| Sep 30, 2025 | 1.82 |
| Jun 30, 2025 | 1.69 |
| Mar 31, 2025 | 1.59 |
| Dec 31, 2024 | 1.58 |
| Sep 30, 2024 | 1.53 |
| Jun 30, 2024 | 1.38 |
| Mar 31, 2024 | 1.50 |
| Dec 31, 2023 | 1.56 |
| Sep 30, 2023 | 1.64 |
| Jun 30, 2023 | 0.40 |
| Mar 31, 2023 | 2.21 |
| Dec 31, 2022 | 2.92 |
| Sep 30, 2022 | 4.13 |
| Jun 30, 2022 | 6.00 |
| Mar 31, 2022 | 6.29 |
| Dec 31, 2021 | 6.19 |
| Sep 30, 2021 | 5.93 |
| Jun 30, 2021 | 5.35 |
| Mar 31, 2021 | 6.44 |
| Dec 31, 2020 | 5.71 |
| Sep 30, 2020 | 6.10 |
| Jun 30, 2020 | 4.41 |
| Mar 31, 2020 | 3.21 |
| Dec 31, 2019 | 3.16 |
| Sep 30, 2019 | 3.10 |
| Jun 30, 2019 | 2.82 |
| Mar 31, 2019 | 2.68 |
| Dec 31, 2018 | 2.88 |
| Sep 30, 2018 | 3.22 |
| Jun 30, 2018 | 3.44 |
| Mar 31, 2018 | 3.54 |
| Dec 31, 2017 | 4.34 |
| Sep 30, 2017 | 4.19 |
| Jun 30, 2017 | 4.28 |
| Mar 31, 2017 | 4.24 |
| Dec 31, 2016 | 4.06 |
| Sep 30, 2016 | 4.17 |
| Jun 30, 2016 | 3.96 |
| Mar 31, 2016 | 4.24 |
| Dec 31, 2015 | 3.46 |
| Sep 30, 2015 | 3.90 |
| Jun 30, 2015 | 4.29 |
| Mar 31, 2015 | 4.26 |
| Dec 31, 2014 | 4.62 |
| Sep 30, 2014 | 4.47 |
| Jun 30, 2014 | 4.43 |
| Mar 31, 2014 | 4.17 |
| Dec 31, 2013 | 3.86 |
| Sep 30, 2013 | 3.91 |
| Jun 30, 2013 | 3.62 |
| Mar 31, 2013 | 3.49 |
| Dec 31, 2012 | 3.64 |
| Sep 30, 2012 | 3.42 |
| Jun 30, 2012 | 3.53 |
| Mar 31, 2012 | 3.14 |
| Dec 31, 2011 | 2.99 |
| Sep 30, 2011 | 2.82 |
| Jun 30, 2011 | 2.61 |
| Mar 31, 2011 | 2.40 |
| Dec 31, 2010 | 2.42 |
| Sep 30, 2010 | 2.33 |
| Jun 30, 2010 | 2.27 |