Citizens Financial Services, Inc.CZFSNASDAQ
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Debt to Assets Over TimeElevated
Percentile Rank86
3Y CAGR-2.9%
5Y CAGR+16.5%
Year-over-Year Change
Debt-to-assets ratio
3Y CAGR
-2.9%/yr
vs +14.7%/yr prior
5Y CAGR
+16.5%/yr
Recent deceleration
Acceleration
-17.6pp
Decelerating
Percentile
P86
Within normal range
vs 5Y Ago
2.2x
Strong expansion
Streak
1 yr
Consecutive growthElevated
| Period | Value | YoY Change |
|---|---|---|
| 2025 | 0.10 | +2.6% |
| 2024 | 0.10 | -3.1% |
| 2023 | 0.10 | -7.9% |
| 2022 | 0.11 | +219.5% |
| 2021 | 0.03 | -26.5% |
| 2020 | 0.05 | -19.1% |
| 2019 | 0.06 | -8.9% |
| 2018 | 0.06 | -24.3% |
| 2017 | 0.08 | +29.3% |
| 2016 | 0.07 | - |