Total Debt
$198.7M
Net Debt
$64.8M
Citizens Financial Services, Inc. currently has $198.7M in total debt. Net debt is $64.8M after cash offsets.
Financial Fundamentals
CZFS • Quarterly Data • 5Y View
| Date | Total Debt ($B) | Cash & Inv. ($B) | Net Debt ($B) | Total Assets | Debt/Assets |
|---|---|---|---|---|---|
| 2026-03-31 | 0.20 | 0.13 | 0.06 | 3.03 | 6.6% |
| 2025-12-31 | 0.31 | 0.07 | 0.24 | 3.06 | 10.1% |
| 2025-09-30 | 0.28 | 0.11 | 0.17 | 3.06 | 9.1% |
| 2025-06-30 | 0.31 | 0.12 | 0.20 | 2.97 | 10.6% |
| 2025-03-31 | 0.30 | 0.09 | 0.22 | 3.02 | 10.0% |
| 2024-12-31 | 0.30 | 0.09 | 0.20 | 3.03 | 9.8% |
| 2024-09-30 | 0.23 | 0.46 | -0.23Net Cash | 3.03 | 7.7% |
| 2024-06-30 | 0.33 | 0.44 | -0.11Net Cash | 2.95 | 11.4% |
| 2024-03-31 | 0.28 | 0.44 | -0.15Net Cash | 2.92 | 9.7% |
| 2023-12-31 | 0.30 | 0.47 | -0.17Net Cash | 2.98 | 10.2% |
| 2023-09-30 | 0.32 | 0.47 | -0.15Net Cash | 2.96 | 10.7% |
| 2023-06-30 | 0.32 | 0.48 | -0.17Net Cash | 2.89 | 11.0% |
| 2023-03-31 | 0.29 | 0.48 | -0.19Net Cash | 2.34 | 12.3% |
| 2022-12-31 | 0.26 | 0.47 | -0.21Net Cash | 2.33 | 11.0% |
| 2022-09-30 | 0.26 | 0.47 | -0.22Net Cash | 2.35 | 11.0% |
| 2022-06-30 | 0.11 | 0.49 | -0.38Net Cash | 2.21 | 5.0% |
| 2022-03-31 | 0.07 | 0.59 | -0.52Net Cash | 2.18 | 3.1% |
| 2021-12-31 | 0.07 | 0.60 | -0.52Net Cash | 2.14 | 3.5% |
| 2021-09-30 | 0.08 | 0.51 | -0.43Net Cash | 2.05 | 3.8% |
| 2021-06-30 | 0.10 | 0.49 | -0.39Net Cash | 2.00 | 4.9% |
| 2021-03-31 | 0.09 | 0.49 | -0.40Net Cash | 2.00 | 4.3% |
| 2020-12-31 | 0.09 | 0.38 | -0.29Net Cash | 1.89 | 4.7% |
| 2020-09-30 | 0.10 | 0.38 | -0.28Net Cash | 1.86 | 5.4% |
| 2020-06-30 | 0.09 | 0.33 | -0.24Net Cash | 1.80 | 4.7% |
| 2020-03-31 | 0.08 | 0.29 | -0.21Net Cash | 1.46 | 5.7% |
| 2019-12-31 | 0.09 | 0.27 | -0.19Net Cash | 1.47 | 5.8% |
| 2019-10-31 | 0.11 | 0.28 | -0.17Net Cash | 1.48 | 7.4% |
| 2019-06-30 | 0.10 | 0.27 | -0.17Net Cash | 1.45 | 7.0% |
| 2019-03-31 | 0.11 | 0.28 | -0.17Net Cash | 1.45 | 7.5% |
| 2018-12-31 | 0.09 | 0.27 | -0.18Net Cash | 1.43 | 6.4% |
| 2018-09-30 | 0.09 | 0.27 | -0.19Net Cash | 1.41 | 6.1% |
| 2018-06-30 | 0.13 | 0.28 | -0.15Net Cash | 1.40 | 9.6% |
| 2018-03-31 | 0.12 | 0.27 | -0.15Net Cash | 1.38 | 9.0% |
| 2017-12-31 | 0.11 | 0.28 | -0.17Net Cash | 1.36 | 8.4% |
| 2017-09-30 | 0.07 | 0.29 | -0.21Net Cash | 1.27 | 5.8% |
| 2017-06-30 | 0.07 | 0.30 | -0.23Net Cash | 1.26 | 5.5% |
| 2017-03-31 | 0.05 | 0.30 | -0.26Net Cash | 1.22 | 3.8% |
| 2016-12-31 | 0.08 | 0.34 | -0.26Net Cash | 1.22 | 6.5% |
| 2016-09-30 | 0.05 | 0.37 | -0.32Net Cash | 1.20 | 4.3% |
| 2016-06-30 | 0.04 | 0.39 | -0.36Net Cash | 1.18 | 3.3% |
| 2016-03-31 | 0.04 | 0.42 | -0.38Net Cash | 1.19 | 3.4% |
| 2015-12-31 | 0.04 | 0.39 | -0.35Net Cash | 1.16 | 3.6% |
| 2015-09-30 | 0.04 | 0.32 | -0.27Net Cash | 0.95 | 4.7% |
| 2015-06-30 | 0.04 | 0.32 | -0.28Net Cash | 0.94 | 4.2% |
| 2015-03-31 | 0.03 | 0.32 | -0.29Net Cash | 0.93 | 3.2% |
| 2014-12-31 | 0.04 | 0.32 | -0.28Net Cash | 0.93 | 4.5% |
| 2014-09-30 | 0.04 | 0.33 | -0.29Net Cash | 0.91 | 4.1% |
| 2014-06-30 | 0.04 | 0.33 | -0.28Net Cash | 0.91 | 4.7% |
| 2014-03-31 | 0.05 | 0.32 | -0.28Net Cash | 0.90 | 5.1% |
| 2013-12-31 | 0.07 | 0.33 | -0.26Net Cash | 0.91 | 7.3% |
| 2013-09-30 | 0.04 | 0.33 | -0.29Net Cash | 0.90 | 4.8% |
| 2013-06-30 | 0.03 | 0.32 | -0.29Net Cash | 0.88 | 3.9% |
| 2013-03-31 | 0.05 | 0.34 | -0.29Net Cash | 0.88 | 5.2% |
| 2012-12-31 | 0.05 | 0.34 | -0.29Net Cash | 0.88 | 5.2% |
| 2012-09-30 | 0.05 | 0.01 | 0.04 | 0.88 | 5.5% |
| 2012-06-30 | 0.05 | 0.02 | 0.03 | 0.88 | 5.3% |
| 2012-03-31 | 0.07 | 0.01 | 0.06 | 0.91 | 8.0% |
| 2011-12-31 | 0.05 | 0.35 | -0.30Net Cash | 0.88 | 6.1% |
| 2011-09-30 | 0.05 | 0.03 | 0.02 | 0.86 | 6.2% |
| 2011-06-30 | 0.06 | 0.04 | 0.01 | 0.85 | 6.5% |
| 2011-03-31 | 0.06 | 0.04 | 0.01 | 0.84 | 6.8% |
| 2010-12-31 | 0.06 | 0.04 | 0.01 | 0.81 | 6.9% |
| 2010-09-30 | 0.06 | 0.03 | 0.03 | 0.79 | 7.2% |
| 2010-06-30 | 0.05 | 0.04 | 0.01 | 0.77 | 6.8% |
| 2010-05-10 | 0.05 | 0.02 | 0.03 | 0.75 | 7.1% |
| 2009-12-31 | 0.05 | 0.03 | 0.02 | 0.73 | 7.4% |
| 2009-09-30 | 0.06 | 0.02 | 0.04 | 0.71 | 8.2% |
| 2009-06-30 | 0.06 | 0.04 | 0.02 | 0.71 | 8.4% |
| 2009-03-31 | 0.06 | 0.02 | 0.04 | 0.67 | 8.4% |
| 2008-12-31 | 0.06 | 0.02 | 0.04 | 0.67 | 9.2% |
| 2008-09-30 | 0.05 | 0.03 | 0.03 | 0.62 | 8.5% |
| 2008-06-30 | 0.06 | 0.01 | 0.05 | 0.60 | 10.0% |
| 2008-03-31 | 0.08 | 0.01 | 0.07 | 0.60 | 14.0% |
| 2007-12-31 | 0.08 | 0.01 | 0.07 | 0.59 | 13.6% |
| 2007-09-30 | 0.07 | 0.01 | 0.06 | 0.58 | 11.4% |
| 2007-06-30 | 0.06 | 0.01 | 0.05 | 0.58 | 10.7% |
| 2007-03-31 | 0.06 | 0.01 | 0.05 | 0.57 | 10.4% |
| 2006-12-31 | 0.08 | 0.01 | 0.07 | 0.57 | 13.2% |
| 2006-09-30 | 0.06 | 0.01 | 0.05 | 0.56 | 11.5% |
| 2006-06-30 | 0.07 | 0.01 | 0.06 | 0.55 | 12.2% |
| 2006-03-31 | 0.07 | 0.01 | 0.06 | 0.54 | 12.4% |
| 2005-12-31 | 0.08 | 0.01 | 0.07 | 0.53 | 15.5% |
| 2005-09-30 | 0.03 | 0.01 | 0.02 | 0.51 | 6.4% |
| 2005-06-30 | 0.04 | 0.01 | 0.03 | 0.51 | 7.7% |
| 2005-03-31 | 0.05 | 0.01 | 0.04 | 0.51 | 9.6% |
| 2004-12-31 | 0.03 | 0.01 | 0.03 | 0.50 | 7.0% |
| 2004-09-30 | 0.04 | 0.01 | 0.04 | 0.50 | 8.8% |
| 2004-06-30 | 0.04 | 0.01 | 0.02 | 0.49 | 7.5% |
| 2004-03-31 | 0.03 | 0.01 | 0.02 | 0.47 | 7.2% |
| 2003-12-31 | 0.04 | 0.01 | 0.03 | 0.46 | 7.6% |
| 2003-09-30 | 0.02 | 0.01 | 0.01 | 0.45 | 3.9% |
| 2003-06-30 | 0.01 | 0.02 | -0.01Net Cash | 0.45 | 2.7% |
| 2003-03-31 | 0.02 | 0.01 | 0.01 | 0.45 | 5.2% |
| 2002-12-31 | 0.02 | 0.01 | 0.01 | 0.43 | 3.9% |
| 2002-09-30 | 0.02 | 0.02 | -0.00Net Cash | 0.44 | 3.7% |
| 2002-06-30 | 0.01 | 0.02 | -0.00Net Cash | 0.43 | 3.2% |
| 2002-03-31 | 0.02 | 0.01 | 0.01 | 0.42 | 4.0% |
| 2001-12-31 | 0.01 | 0.01 | 0.00 | 0.42 | 3.2% |
| 2001-09-30 | 0.01 | 0.02 | -0.01Net Cash | 0.43 | 2.6% |
| 2001-06-30 | 0.01 | 0.03 | -0.02Net Cash | 0.42 | 2.7% |
| 2001-03-31 | 0.01 | 0.02 | -0.01Net Cash | 0.41 | 3.0% |
| 2000-12-31 | 0.01 | 0.03 | -0.02Net Cash | 0.41 | 2.7% |
| 2000-09-30 | 0.03 | 0.01 | 0.02 | 0.35 | 9.0% |
| 2000-06-30 | 0.02 | 0.01 | 0.02 | 0.34 | 6.6% |
| 2000-03-31 | 0.02 | 0.01 | 0.02 | 0.34 | 7.2% |
| 1999-06-30 | 0.00 | 94.78 | -94.78Net Cash | 318.57 | 0.0% |