Citizens Financial Services, Inc.CZFSNASDAQ
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Debt to Equity Over TimeNormalizing
Percentile Rank79
3Y CAGR-10.7%
5Y CAGR+14.9%
Year-over-Year Change
Debt-to-equity ratio
3Y CAGR
-10.7%/yr
vs +18.4%/yr prior
5Y CAGR
+14.9%/yr
Recent deceleration
Acceleration
-29.1pp
Decelerating
Percentile
P79
Within normal range
vs 5Y Ago
2x
Strong expansion
Streak
3 yr
Consecutive declineNormalizing
| Period | Value | YoY Change |
|---|---|---|
| 2025 | 0.92 | -7.8% |
| 2024 | 0.99 | -8.0% |
| 2023 | 1.08 | -16.0% |
| 2022 | 1.29 | +269.2% |
| 2021 | 0.35 | -23.9% |
| 2020 | 0.46 | -16.8% |
| 2019 | 0.55 | -16.0% |
| 2018 | 0.65 | -26.3% |
| 2017 | 0.89 | +37.5% |
| 2016 | 0.65 | - |