# Citizens Financial Services, Inc. (CZFS)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/CZFS/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 87.29M | $ 20.56M | $ 17.52M | $ 394.02M | $ 352.83M |
| 2025 | $ 177.59M | $ 37.45M | $ 37.33M | $ 309.45M | $ 338.05M |
| 2024 | $ 177.23M | $ 29.24M | $ 33.50M | $ 297.72M | $ 299.73M |
| 2023 | $ 149.99M | $ 19.26M | $ 25.86M | $ 302.04M | $ 279.67M |
| 2022 | $ 104.00M | $ 32.46M | $ 35.31M | $ 257.28M | $ 200.15M |
| 2021 | $ 101.66M | $ 34.61M | $ 44.68M | $ 73.98M | $ 212.49M |
| 2020 | $ 104.10M | $ 31.98M | $ 13.86M | $ 88.84M | $ 194.26M |
| 2019 | $ 90.82M | $ 25.16M | $ 27.32M | $ 85.12M | $ 154.77M |
| 2018 | $ 85.18M | $ 23.82M | $ 27.72M | $ 91.19M | $ 139.23M |
| 2017 | $ 76.45M | $ 17.55M | $ 20.92M | $ 114.66M | $ 129.01M |
| 2016 | $ 70.04M | $ 17.39M | $ 21.47M | $ 79.66M | $ 123.27M |
| 2015 | $ 60.48M | $ 16.32M | $ 16.90M | $ 41.63M | $ 119.76M |
| 2014 | $ 60.26M | $ 18.91M | $ 21.01M | $ 41.80M | $ 100.53M |
| 2013 | $ 61.99M | $ 19.02M | $ 24.87M | $ 66.93M | $ 92.06M |
| 2012 | $ 66.30M | $ 20.52M | $ 20.75M | $ 46.13M | $ 89.48M |
| 2011 | $ 67.07M | $ 18.85M | $ 22.66M | $ 53.88M | $ 81.47M |
| 2010 | $ 68.15M | $ 17.42M | $ 17.45M | $ 56.00M | $ 68.69M |
| 2009 | $ 67.32M | $ 14.94M | $ 12.66M | $ 54.12M | $ 61.53M |
| 2008 | $ 58.13M | $ 10.46M | $ 14.36M | $ 61.20M | $ 52.77M |
| 2007 | $ 62.24M | $ 10.20M | $ 11.52M | $ 80.35M | $ 48.53M |
| 2006 | $ 56.88M | $ 8.78M | $ -7.19M | $ 75.78M | $ 43.50M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 1.12 |
| Liabilities / Eq | 8.05 |
| Current Ratio | 12.29 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 14.03 |
| Gross Debt / FCF | 13.25 |

## Other views

- [Metrics](https://sponda.capital/en/CZFS.md)
- [Charts](https://sponda.capital/en/CZFS/charts.md)
- [Compare](https://sponda.capital/en/CZFS/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-29.