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STOCKS

Citizens Financial Services Inc (CZFS)

NASDAQ:CZFS

CZFS

Citizens Financial Services

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CZFS Statistics

Citizens Financial Services (CZFS) Ratios

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29 Followers

Citizens Financial Services Ratios

CZFS's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, CZFS's free cash flow was decreased by $ and operating cash flow was $-0.02. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	39.01	10.84	388.88	845.99	377.24
Quick Ratio	39.01	10.84	421.47	1.11K	466.03
Cash Ratio	3.44	10.84	26.19	258.59	81.09
Solvency Ratio	0.01	<0.01	0.01	0.02	0.02
Operating Cash Flow Ratio	2.71	5.45	26.98	54.42	11.62
Short-Term Operating Cash Flow Coverage	4.38	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -2.25B	$ -2.64B	$ -1.65B	$ -1.33B	$ -1.31B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.11	0.11	0.03	0.05
Debt-to-Equity Ratio	0.94	1.15	1.29	0.35	0.46
Debt-to-Capital Ratio	0.48	0.54	0.56	0.26	0.31
Long-Term Debt-to-Capital Ratio	0.48	0.54	0.56	0.26	0.31
Financial Leverage Ratio	10.09	10.64	11.66	10.09	9.74
Debt Service Coverage Ratio	-0.08	0.41	2.68	4.25	3.24
Interest Coverage Ratio	2.24	0.91	4.24	4.97	3.75
Debt to Market Cap	0.93	1.14	0.85	0.31	0.42
Interest Debt Per Share	73.31	83.34	66.97	20.15	24.72
Net Debt to EBITDA	0.00	11.69	6.16	-3.02	0.20
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-1.17%	24.92%	43.35%	45.04%	41.25%
EBITDA Margin	0.00%	26.68%	44.62%	46.46%	42.80%
Operating Profit Margin	98.32%	49.41%	58.13%	45.04%	41.25%
Pretax Profit Margin	21.83%	24.92%	43.35%	45.04%	41.25%
Net Profit Margin	18.03%	20.63%	35.49%	37.13%	34.10%
Continuous Operations Profit Margin	18.03%	20.63%	35.49%	37.13%	34.10%
Net Income Per EBT	82.59%	82.78%	81.87%	82.45%	82.67%
EBT Per EBIT	22.20%	50.44%	74.58%	100.00%	100.00%
Return on Assets (ROA)	0.92%	0.60%	1.25%	1.36%	1.33%
Return on Equity (ROE)	9.28%	6.37%	14.52%	13.70%	12.92%
Return on Capital Employed (ROCE)	5.03%	1.44%	2.04%	1.65%	1.61%
Return on Invested Capital (ROIC)	20.92%	1.19%	4.02%	2.73%	3.44%
Return on Tangible Assets	0.95%	0.62%	1.26%	1.38%	1.35%
Earnings Yield	9.25%	6.28%	9.64%	12.28%	11.90%
Efficiency Ratios
Receivables Turnover	14.97	7.82	11.17	14.98	12.27
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	7.21	2.66	4.65	4.61	4.34
Asset Turnover	0.05	0.03	0.04	0.04	0.04
Working Capital Turnover Ratio	0.60	0.33	0.15	0.16	0.22
Cash Conversion Cycle	24.38	46.69	32.69	24.37	29.74
Days of Sales Outstanding	24.38	46.69	32.69	24.37	29.74
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	24.38	46.69	32.69	24.37	29.74
Cash Flow Ratios
Operating Cash Flow Per Share	6.99	6.00	8.29	9.61	3.02
Free Cash Flow Per Share	6.99	5.40	7.88	9.34	2.77
CapEx Per Share	0.00	0.59	0.41	0.27	0.24
Free Cash Flow to Operating Cash Flow	1.00	0.90	0.95	0.97	0.92
Dividend Paid and CapEx Coverage Ratio	3.57	2.39	3.60	4.56	1.58
Capital Expenditure Coverage Ratio	0.00	10.14	20.34	35.02	12.55
Operating Cash Flow Coverage Ratio	0.12	0.08	0.13	0.52	0.13
Operating Cash Flow to Sales Ratio	0.22	0.31	0.41	0.49	0.16
Free Cash Flow Yield	11.03%	8.43%	10.48%	15.85%	5.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.81	15.93	10.38	8.14	8.40
Price-to-Sales (P/S) Ratio	1.95	3.29	3.68	3.02	2.87
Price-to-Book (P/B) Ratio	1.00	1.01	1.51	1.12	1.09
Price-to-Free Cash Flow (P/FCF) Ratio	9.06	11.86	9.54	6.31	19.39
Price-to-Operating Cash Flow Ratio	9.06	10.69	9.07	6.13	17.85
Price-to-Earnings Growth (PEG) Ratio	0.24	-0.36	75.13	0.62	0.41
Price-to-Fair Value	1.00	1.01	1.51	1.12	1.09
Enterprise Value Multiple	0.00	24.00	14.42	3.49	6.90
EV to EBITDA	0.00	24.00	14.42	3.49	6.90
EV to Sales	3.49	6.40	6.43	1.62	2.95
EV to Free Cash Flow	16.24	23.11	16.66	3.38	19.98
EV to Operating Cash Flow	16.24	20.83	15.84	3.29	18.39
Tangible Book Value Per Share	44.44	42.98	41.78	44.60	41.12
Shareholders’ Equity Per Share	63.10	63.18	49.92	52.80	49.54
Tax and Other Ratios
Effective Tax Rate	0.17	0.17	0.18	0.18	0.17
Revenue Per Share	32.49	19.51	20.42	19.48	18.77
Net Income Per Share	5.86	4.02	7.25	7.24	6.40
Tax Burden	0.83	0.83	0.82	0.82	0.83
Interest Burden	-18.65	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.02	0.42	0.35	0.35	0.35
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.19	1.49	1.14	1.33	0.47

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