Citizens Financial Services annual debt-to-equity ratio
2013
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2025
Citizens Financial Services Debt-to-Equity Ratio Growth & History (CZFS)
Citizens Financial Services's debt-to-equity ratio was 0.95 for fiscal 2025.
View full Citizens Financial Services company overviewCitizens Financial Services annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.95 | −0.08 | −7.76% |
| 2024 | 2024-12-31 | 1.03 | −0.16 | −13.81% |
| 2023 | 2023-12-31 | 1.19 | −0.12 | −9.08% |
| 2022 | 2022-12-31 | 1.31 | 0.95 | +260.51% |
| 2021 | 2021-12-31 | 0.36 | −0.11 | −22.51% |
| 2020 | 2020-12-31 | 0.47 | −0.09 | −15.84% |
| 2019 | 2019-12-31 | 0.56 | −0.10 | −14.89% |
| 2018 | 2018-12-31 | 0.65 | −0.23 | −26.31% |
| 2017 | 2017-12-31 | 0.89 | 0.24 | +37.53% |
| 2016 | 2016-12-31 | 0.65 | 0.30 | +85.91% |
| 2015 | 2015-12-31 | 0.35 | −0.07 | −16.40% |
| 2014 | 2014-12-31 | 0.42 | −0.31 | −42.81% |
| 2013 | 2013-12-31 | 0.73 | — | — |
Citizens Financial Services quarterly debt-to-equity ratio
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Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 1.12 | 0.12 | +11.83% |
| Q1 2026 | 2026-03-31 | 0.58 | −0.40 | −40.96% |
| Q4 2025 | 2025-12-31 | 0.95 | −0.08 | −7.76% |
| Q3 2025 | 2025-09-30 | 0.85 | 0.08 | +9.96% |
| Q2 2025 | 2025-06-30 | 1.00 | −0.17 | −14.56% |
| Q1 2025 | 2025-03-31 | 0.98 | −0.02 | −2.34% |
| Q4 2024 | 2024-12-31 | 1.03 | −0.16 | −13.81% |
| Q3 2024 | 2024-09-30 | 0.78 | −0.43 | −35.53% |
| Q2 2024 | 2024-06-30 | 1.17 | −0.04 | −3.31% |
| Q1 2024 | 2024-03-31 | 1.00 | −0.35 | −25.74% |
| Q4 2023 | 2023-12-31 | 1.19 | −0.12 | −9.08% |
| Q3 2023 | 2023-09-30 | 1.20 | −0.15 | −11.02% |
| Q2 2023 | 2023-06-30 | 1.21 | 0.64 | +113.28% |
| Q1 2023 | 2023-03-31 | 1.35 | 1.01 | +301.51% |
| Q4 2022 | 2022-12-31 | 1.31 | 0.95 | +260.51% |
| Q3 2022 | 2022-09-30 | 1.35 | 0.98 | +261.43% |
| Q2 2022 | 2022-06-30 | 0.57 | 0.09 | +18.43% |
| Q1 2022 | 2022-03-31 | 0.34 | −0.10 | −22.38% |
| Q4 2021 | 2021-12-31 | 0.36 | −0.11 | −22.51% |
| Q3 2021 | 2021-09-30 | 0.37 | −0.15 | −28.97% |
| Q2 2021 | 2021-06-30 | 0.48 | 0.01 | +2.92% |
| Q1 2021 | 2021-03-31 | 0.43 | −0.09 | −17.05% |
| Q4 2020 | 2020-12-31 | 0.47 | −0.09 | −15.84% |
| Q3 2020 | 2020-09-30 | 0.53 | −0.21 | −28.06% |
| Q2 2020 | 2020-06-30 | 0.46 | −0.23 | −32.72% |
| Q1 2020 | 2020-03-31 | 0.52 | −0.25 | −31.93% |
| Q4 2019 | 2019-12-31 | 0.56 | −0.10 | −14.89% |
| Q3 2019 | 2019-09-30 | 0.73 | 0.09 | +14.32% |
| Q2 2019 | 2019-06-30 | 0.69 | −0.32 | −31.60% |
| Q1 2019 | 2019-03-31 | 0.77 | −0.19 | −19.70% |
| Q4 2018 | 2018-12-31 | 0.65 | −0.23 | −26.31% |
| Q3 2018 | 2018-09-30 | 0.64 | 0.07 | +13.00% |
| Q2 2018 | 2018-06-30 | 1.01 | 0.46 | +84.43% |
| Q1 2018 | 2018-03-31 | 0.96 | 0.58 | +155.02% |
| Q4 2017 | 2017-12-31 | 0.89 | 0.24 | +37.53% |
| Q3 2017 | 2017-09-30 | 0.57 | 0.15 | +37.24% |
| Q2 2017 | 2017-06-30 | 0.55 | 0.24 | +75.79% |
| Q1 2017 | 2017-03-31 | 0.37 | 0.05 | +14.30% |
| Q4 2016 | 2016-12-31 | 0.65 | 0.30 | +85.91% |
| Q3 2016 | 2016-09-30 | 0.41 | −0.02 | −3.89% |
| Q2 2016 | 2016-06-30 | 0.31 | −0.07 | −17.92% |
| Q1 2016 | 2016-03-31 | 0.33 | 0.04 | +14.14% |
| Q4 2015 | 2015-12-31 | 0.35 | −0.07 | −16.40% |
| Q3 2015 | 2015-09-30 | 0.43 | 0.05 | +12.96% |
| Q2 2015 | 2015-06-30 | 0.38 | −0.06 | −13.40% |
| Q1 2015 | 2015-03-31 | 0.29 | — | — |
| Q4 2014 | 2014-12-31 | 0.42 | −0.31 | −42.81% |
| Q3 2014 | 2014-09-30 | 0.38 | — | — |
| Q2 2014 | 2014-06-30 | 0.44 | — | — |
| Q4 2013 | 2013-12-31 | 0.73 | — | — |
Citizens Financial Services debt-to-equity ratio trends
Over the last five fiscal years, Citizens Financial Services's debt-to-equity ratio increased from 0.47 to 0.95, a change of 0.48. The latest reported quarter, Q2 2026, shows 1.12.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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