Citizens Financial Services, Inc.CZFSNASDAQ
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Income Quality Over TimeContracting
Percentile Rank7
3Y CAGR-4.4%
5Y CAGR+16.2%
Year-over-Year Change
Quality of reported income
3Y CAGR
-4.4%/yr
vs -1.0%/yr prior
5Y CAGR
+16.2%/yr
Recent deceleration
Acceleration
-3.4pp
Decelerating
Percentile
P7
Near historical low
vs 5Y Ago
2.1x
Strong expansion
Streak
2 yr
Consecutive declineContracting
| Period | Value | YoY Change |
|---|---|---|
| 2025 | 1.00 | -16.3% |
| 2024 | 1.19 | -19.9% |
| 2023 | 1.49 | +30.3% |
| 2022 | 1.14 | -13.9% |
| 2021 | 1.33 | +182.2% |
| 2020 | 0.47 | -57.8% |
| 2019 | 1.12 | -6.3% |
| 2018 | 1.19 | -1.4% |
| 2017 | 1.21 | -5.7% |
| 2016 | 1.28 | - |