Citizens Financial Services (CZFS) Total Debt (2013 - 2025)
Citizens Financial Services (CZFS) posted Total Debt of $309.4 million for Q4 2025, up 3.94% on a QoQ basis from $297.7 million in Q4 2024, and up 3.94% year-over-year from $297.7 million in Q4 2024.
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Analysis
Citizens Financial Services (CZFS) Total Debt (2013 - 2025) Analysis & Trends
Citizens Financial Services has reported Total Debt for 13 years, with the latest figure at $309.4 million in Q4 2025.
- On a quarterly basis, Total Debt rose 3.94% year-over-year to $309.4 million in Q4 2025; TTM through Dec 2025 was $309.4 million, a 3.94% increase from a year earlier, with the FY2025 full-year figure at $309.4 million, up 3.94% from the prior year.
- Total Debt was $309.4 million for Q4 2025 at Citizens Financial Services, up from $297.7 million in the prior quarter.
- The five-year high for Total Debt was $309.4 million in Q4 2025, with the low at $64.0 million in Q4 2021.
- Average Total Debt over 5 years is $240.0 million, with a median of $281.7 million recorded in 2023.
- The sharpest annual moves came in 2021 and 2022: Total Debt dropped 7.43% in 2021, then surged 286.51% in 2022.
- Over 5 years, Total Debt stood at $64.0 million in 2021, then soared by 286.51% to $247.3 million in 2022, then gained by 13.94% to $281.7 million in 2023, then gained by 5.67% to $297.7 million in 2024, then increased by 3.94% to $309.4 million in 2025.
- The last three Total Debt figures came in at $309.4 million (Q4 2025), $297.7 million (Q4 2024), and $281.7 million (Q4 2023), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | 652.30 Bn |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 96.75 Bn |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 26.90 Bn |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 22.80 Bn |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 24.96 Bn |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 17.51 Bn |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 10.63 Bn |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 14.65 Bn |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 32.34 Bn |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 309.45 Mn |
| Dec 31, 2024 | 297.72 Mn |
| Dec 31, 2023 | 281.75 Mn |
| Dec 31, 2022 | 247.28 Mn |
| Dec 31, 2021 | 63.98 Mn |
| Dec 31, 2020 | 69.11 Mn |
| Dec 31, 2019 | 63.59 Mn |
| Dec 31, 2018 | 78.55 Mn |
| Dec 31, 2017 | 100.03 Mn |
| Dec 31, 2016 | 68.76 Mn |
| Dec 31, 2015 | 36.07 Mn |
| Dec 31, 2014 | 36.27 Mn |
| Dec 31, 2013 | 62.72 Mn |
API Access
Citizens Financial Services Total Debt 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=total-debt&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "total-debt", "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=total-debt&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();