Citizens Financial Services, Inc.CZFSNASDAQ
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Total Debt Over TimeElevated
Percentile Rank100
3Y CAGR+6.3%
5Y CAGR+28.4%
Studio
Year-over-Year Change

Sum of short-term and long-term debt obligations

3Y CAGR
+6.3%/yr
vs +29.6%/yr prior
5Y CAGR
+28.4%/yr
Recent deceleration
Acceleration
-23.3pp
Decelerating
Percentile
P100
Near historical high
vs 5Y Ago
3.5x
Strong expansion
Streak
1 yr
Consecutive growthElevated
PeriodValueYoY Change
2025$309.45M+3.9%
2024$297.72M-1.4%
2023$302.04M+17.4%
2022$257.28M+247.8%
2021$73.98M-16.7%
2020$88.84M+4.4%
2019$85.12M-6.7%
2018$91.19M-20.5%
2017$114.66M+43.9%
2016$79.66M-