Citizens Financial Services (CZFS) Debt/Equity Ratio: History & Chart

Citizens Financial Services, Inc.(CZFS)

Banks - Regional · Mansfield, PA

$80.21+0.69 (+0.87%)

Delayed quote: Oct 6, 2026, 12:40 PM EDT

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.

Mansfield, PA

389 employees

www.firstcitizensbank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Randall E. Black

View full financials

CZFS Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

1.12

DEBT TO EQUITY RATIO AVG TTM

0.89

DEBT TO EQUITY RATIO AVG 3Y

1.02

DEBT TO EQUITY RATIO AVG 5Y

0.90

DEBT TO EQUITY RATIO AVG 10Y

0.76

DEBT TO EQUITY RATIO AVG 15Y

0.68

DEBT TO EQUITY RATIO AVG 20Y

0.80

CURRENT VS TTM AVG

+25.13%

CURRENT VS 3Y AVG

+8.98%

CURRENT VS 5Y AVG

+23.63%

CURRENT VS 10Y AVG

+47.23%

CURRENT VS 15Y AVG

+65.34%

CURRENT VS 20Y AVG

+39.28%

SECTOR MEDIAN · FINANCIAL SERVICES

0.31

median of 611 covered companies

CURRENT VS SECTOR MEDIAN

+260.24%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Citizens Financial Services, Inc. (CZFS)	$385.40M	1.12	0.89	1.02	0.90
Primis Financial Corp (FRST)vs ›	$384.87M	1.03	0.49	0.63	0.61
Parke Bancorp, Inc. (PKBK)vs ›	$389.03M	0.51	0.54	0.53	0.66
MVB Financial Corp. (MVBF)vs ›	$383.96M	0.17	0.24	0.38	0.34
Berto Acquisition Corp. II (GUAC)vs ›	$390.33M	N/A	N/A	N/A	N/A
Republic Digital Acquisition Company Class A (RDAG)vs ›	$391.22M	0.00	0.00	0.00	0.00
Centurion Acquisition Corp. (ALF)vs ›	$391.36M	0.00	0.00	0.00	1.35
The First Bancorp, Inc. (FNLC)vs ›	$380.73M	0.73	0.62	0.49	0.62
Oportun Financial Corporation (OPRT)vs ›	$378.24M	6.54	7.60	7.29	6.19
GP-Act III Acquisition Corp. (GPAT)vs ›	$396.75M	0.01	0.00	0.00	1.79

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Citizens Financial Services, Inc. (CZFS)

$385.40M

1.12

0.89

1.02

0.90

Primis Financial Corp (FRST)vs ›

$384.87M

1.03

0.49

0.63

0.61

Parke Bancorp, Inc. (PKBK)vs ›

$389.03M

0.51

0.54

0.53

0.66

MVB Financial Corp. (MVBF)vs ›

$383.96M

0.17

0.24

0.38

0.34

Berto Acquisition Corp. II (GUAC)vs ›

$390.33M

N/A

Republic Digital Acquisition Company Class A (RDAG)vs ›

$391.22M

0.00

Centurion Acquisition Corp. (ALF)vs ›

$391.36M

0.00

1.35

The First Bancorp, Inc. (FNLC)vs ›

$380.73M

0.73

0.62

0.49

0.62

Oportun Financial Corporation (OPRT)vs ›

$378.24M

6.54

7.60

7.29

6.19

GP-Act III Acquisition Corp. (GPAT)vs ›

$396.75M

0.01

0.00

1.79

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The debt to equity ratio for CZFS stock is 1.12.

Is Citizens Financial Services, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 1.12 is 24% above its 5-year average of 0.90, near the high end of its 5-year range (0.34–1.35).

What is the TTM average debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The TTM average debt to equity ratio for CZFS stock is 0.89.

What is the 3Y average debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The 3Y average debt to equity ratio for CZFS stock is 1.02.

What is the 5Y average debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The 5Y average debt to equity ratio for CZFS stock is 0.90.

What is the 10Y average debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The 10Y average debt to equity ratio for CZFS stock is 0.76.

What is the 15Y average debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The 15Y average debt to equity ratio for CZFS stock is 0.68.

What is the 20Y average debt to equity ratio for Citizens Financial Services, Inc. (CZFS)?

The 20Y average debt to equity ratio for CZFS stock is 0.80.

DATE	DEBT TO EQUITY RATIO
2026-06-30	1.12
2026-03-31	0.58
2025-12-31	0.92
2025-09-30	0.85
2025-06-30	1.00
2025-03-31	0.98
2024-12-31	0.99
2024-09-30	0.78
2024-06-30	1.17
2024-03-31	1.00
2023-12-31	1.08
2023-09-30	1.20
2023-06-30	1.21
2023-03-31	1.35
2022-12-31	1.29
2022-09-30	1.35
2022-06-30	0.57
2022-03-31	0.34
2021-12-31	0.35
2021-09-30	0.37
2021-06-30	0.48
2021-03-31	0.43
2020-12-31	0.46
2020-09-30	0.53
2020-06-30	0.46
2020-03-31	0.52
2019-12-31	0.55
2019-10-31	0.72
2019-06-30	0.68
2019-03-31	0.76
2018-12-31	0.65
2018-09-30	0.64
2018-06-30	1.01
2018-03-31	0.96
2017-12-31	0.89
2017-09-30	0.57
2017-06-30	0.55
2017-03-31	0.37
2016-12-31	0.65
2016-09-30	0.41
2016-06-30	0.31
2016-03-31	0.33
2015-12-31	0.35
2015-09-30	0.43
2015-06-30	0.38
2015-03-31	0.29
2014-12-31	0.42
2014-09-30	0.38
2014-06-30	0.44
2014-03-31	0.48
2013-12-31	0.73
2013-09-30	0.48
2013-06-30	0.38
2013-03-31	0.50
2012-12-31	0.52
2012-09-30	0.53
2012-06-30	0.54
2012-03-31	0.87
2011-12-31	0.66
2011-09-30	0.67
2011-06-30	0.74
2011-03-31	0.80
2010-12-31	0.82
2010-09-30	0.81
2010-06-30	0.79
2010-05-10	0.84
2009-12-31	0.88
2009-09-30	0.95
2009-06-30	1.05
2009-03-31	1.04
2008-12-31	1.16
2008-09-30	1.11
2008-06-30	1.19
2008-03-31	1.66
2007-12-31	1.66
2007-09-30	1.43
2007-06-30	1.41
2007-03-31	1.32
2006-12-31	1.74
2006-09-30	1.48
2006-06-30	1.62
2006-03-31	1.62
2005-12-31	1.98
2005-09-30	0.79
2005-06-30	0.95
2005-03-31	1.20
2004-12-31	0.86
2004-09-30	1.08
2004-06-30	0.97
2004-03-31	0.86
2003-12-31	0.92
2003-09-30	0.46
2003-06-30	0.30
2003-03-31	0.60
2002-12-31	0.44
2002-09-30	0.43

DATE

DEBT TO EQUITY RATIO

2026-06-30

1.12

2026-03-31

0.58

2025-12-31

0.92

2025-09-30

0.85

2025-06-30

1.00

2025-03-31

0.98

2024-12-31

0.99

2024-09-30

0.78

2024-06-30

1.17

2024-03-31

1.00

2023-12-31

1.08

2023-09-30

1.20

2023-06-30

1.21

2023-03-31

1.35

2022-12-31

1.29

2022-09-30

1.35

2022-06-30

0.57

2022-03-31

0.34

2021-12-31

0.35

2021-09-30

0.37

2021-06-30

0.48

2021-03-31

0.43

2020-12-31

0.46

2020-09-30

0.53

2020-06-30

0.46

2020-03-31

0.52

2019-12-31

0.55

2019-10-31

0.72

2019-06-30

0.68

2019-03-31

0.76

2018-12-31

0.65

2018-09-30

0.64

2018-06-30

1.01

2018-03-31

0.96

2017-12-31

0.89

2017-09-30

0.57

2017-06-30

0.55

2017-03-31

0.37

2016-12-31

0.65

2016-09-30

0.41

2016-06-30

0.31

2016-03-31

0.33

2015-12-31

0.35

2015-09-30

0.43

2015-06-30

0.38

2015-03-31

0.29

2014-12-31

0.42

2014-09-30

0.38

2014-06-30

0.44

2014-03-31

0.48

2013-12-31

0.73

2013-09-30

0.48

2013-06-30

0.38

2013-03-31

0.50

2012-12-31

0.52

2012-09-30

0.53

2012-06-30

0.54

2012-03-31

0.87

2011-12-31

0.66

2011-09-30

0.67

2011-06-30

0.74

2011-03-31

0.80

2010-12-31

0.82

2010-09-30

0.81

2010-06-30

0.79

2010-05-10

0.84

2009-12-31

0.88

2009-09-30

0.95

2009-06-30

1.05

2009-03-31

1.04

2008-12-31

1.16

2008-09-30

1.11

2008-06-30

1.19

2008-03-31

1.66

2007-12-31

1.66

2007-09-30

1.43

2007-06-30

1.41

2007-03-31

1.32

2006-12-31

1.74

2006-09-30

1.48

2006-06-30

1.62

2006-03-31

1.62

2005-12-31

1.98

2005-09-30

0.79

2005-06-30

0.95

2005-03-31

1.20

2004-12-31

0.86

2004-09-30

1.08

2004-06-30

0.97

2004-03-31

0.86

2003-12-31

0.92

2003-09-30

0.46

2003-06-30

0.30

2003-03-31

0.60

2002-12-31

0.44

2002-09-30

0.43

Debt to Equity Ratio: 1.12

CZFS Debt to Equity Ratio

CZFS Average Debt to Equity Ratio Chart

CZFS Current vs Average Debt to Equity Ratio Chart

CZFS Debt to Equity Ratio Metrics

CZFS Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

CZFS Debt to Equity Ratio History

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