Citizens Financial Services Inc (CZFS) Interest Coverage Ratio (2010 - 2026)
Citizens Financial Services' (CZFS) Interest Coverage Ratio stood at 1.89 in Q2 2026, up 12.1% from 1.69 a year earlier but down 0.2% from the prior quarter.
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Analysis
Citizens Financial Services Inc (CZFS) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
On a TTM basis, Citizens Financial Services' Interest Coverage Ratio came in at 1.87 as of Jun 30, 2026, up 17.3% year-over-year; for FY2025, it was 1.74, up 16.0% from FY2024.
- Across earlier years, Interest Coverage Ratio came in at 1.50 in FY2024 (+2.7%), 1.46 in FY2023 (-64.9%), 4.16 in FY2022 (-30.3%) and 5.97 in FY2021 (+25.8%).
- Quarterly Interest Coverage Ratio has ranged from 0.40 in Q2 2023 to 6.29 in Q1 2022 over the past five years.
- On a year-over-year basis, Interest Coverage Ratio has increased for seven consecutive quarters, with growth averaging 11.5% over the last eight quarters.
- Peak year-over-year performance for Interest Coverage Ratio in the last five years was growth of 246.1% in Q2 2024, against a decline of 93.3% in Q2 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 1.90 (Q1 2026), 1.88 (Q4 2025) and 1.82 (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.89 |
| 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 |
API Access
Citizens Financial Services Inc Interest Coverage 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=interest-coverage-ratio&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-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=interest-coverage-ratio&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();