CZFS
CITIZENS FINANCIAL SERVICES INC
NASDAQ · Financial Services · Banks - Regional · US
$87.30
+3.20%Leverage
- Debt / equity
- 1.46x
- Net debt / equity
- 1.38x
- Debt / assets
- 0.15x
- Debt / EBITDA
- 9.44x
- Net debt / EBITDA
- 8.94x
Liquidity & coverage
- Current ratio
- —
- Quick ratio
- —
- Cash ratio
- —
- Interest coverage
- 0.89x
- EBITDA / interest
- 0.92x
- Working capital
- —
Cash & dividend
- FCF / debt
- 0.07x
- Cash flow / debt
- 0.07x
- Dividend per share
- $2.02
- Dividend yield
- 2.3%
- Dividend growth 1y
- +1.8%
Leverage, liquidity, debt coverage and shareholder-distribution metrics · Data as of Sep 1, 2026