Citizens Financial Services, Inc.CZFSNASDAQ
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Net Debt Over TimeElevated
Percentile Rank100
3Y CAGR+6.9%
5Y CAGR+112.3%
Studio
Year-over-Year Change

Total debt minus cash and cash equivalents

3Y CAGR
+6.9%/yr
vs +39.8%/yr prior
5Y CAGR
+112.3%/yr
Recent deceleration
Acceleration
-32.9pp
Decelerating
Percentile
P100
Near historical high
vs 5Y Ago
43.2x
Strong expansion
Streak
4 yr
Consecutive growthElevated
PeriodValueYoY Change
2025$275.16M+9.3%
2024$251.70M+2.7%
2023$245.15M+8.9%
2022$225.01M+335.4%
2021$-95.59M-1599.9%
2020$6.37M-87.8%
2019$52.34M-11.1%
2018$58.90M-31.4%
2017$85.86M+56.2%
2016$54.95M-