Citizens Financial Services Debt to Equity Ratio 2012-2026 | CZFS
Current and historical debt to equity ratio values for Citizens Financial Services (CZFS) over the last 10 years. The debt/equity ratio can be defined as a measure of a company's financial leverage calculated by dividing its long-term debt by stockholders' equity. Citizens Financial Services debt/equity for the three months ending June 30, 2026 was 1.12.
| Citizens Financial Services Debt/Equity Ratio Historical Data | |||
|---|---|---|---|
| Date | Long Term Debt | Shareholder's Equity | Debt to Equity Ratio |
| 2026-06-30 | $2.84B | $0.35B | 8.05 |
| 2026-03-31 | $2.68B | $0.34B | 7.81 |
| 2025-12-31 | $2.73B | $0.34B | 8.07 |
| 2025-09-30 | $2.73B | $0.33B | 8.33 |
| 2025-06-30 | $2.65B | $0.31B | 8.46 |
| 2025-03-31 | $2.71B | $0.31B | 8.78 |
| 2024-12-31 | $2.73B | $0.30B | 9.10 |
| 2024-09-30 | $2.73B | $0.30B | 9.13 |
| 2024-06-30 | $2.66B | $0.29B | 9.29 |
| 2024-03-31 | $2.64B | $0.28B | 9.33 |
| 2023-12-31 | $2.70B | $0.28B | 9.64 |
| 2023-09-30 | $2.70B | $0.26B | 10.27 |
| 2023-06-30 | $2.63B | $0.26B | 9.99 |
| 2023-03-31 | $2.12B | $0.21B | 9.95 |
| 2022-12-31 | $2.13B | $0.20B | 10.66 |
| 2022-09-30 | $2.16B | $0.19B | 11.28 |
| 2022-06-30 | $2.02B | $0.20B | 10.35 |
| 2022-03-31 | $1.98B | $0.20B | 9.74 |
| 2021-12-31 | $1.93B | $0.21B | 9.09 |
| 2021-09-30 | $1.84B | $0.21B | 8.80 |
| 2021-06-30 | $1.80B | $0.20B | 8.80 |
| 2021-03-31 | $1.80B | $0.20B | 9.04 |
| 2020-12-31 | $1.70B | $0.19B | 8.74 |
| 2020-09-30 | $1.67B | $0.19B | 8.83 |
| 2020-06-30 | $1.62B | $0.18B | 8.83 |
| 2020-03-31 | $1.31B | $0.16B | 8.16 |
| 2019-12-31 | $1.31B | $0.16B | 8.47 |
| 2019-09-30 | $1.32B | $0.15B | 8.73 |
| 2019-06-30 | $1.30B | $0.15B | 8.78 |
| 2019-03-31 | $1.31B | $0.14B | 9.14 |
| 2018-12-31 | $1.29B | $0.14B | 9.28 |
| 2018-09-30 | $1.27B | $0.13B | 9.48 |
| 2018-06-30 | $1.27B | $0.13B | 9.57 |
| 2018-03-31 | $1.25B | $0.13B | 9.65 |
| 2017-12-31 | $1.23B | $0.13B | 9.56 |
| 2017-09-30 | $1.14B | $0.13B | 8.78 |
| 2017-06-30 | $1.14B | $0.13B | 8.90 |
| 2017-03-31 | $1.10B | $0.13B | 8.80 |
| 2016-12-31 | $1.10B | $0.12B | 8.92 |
| 2016-09-30 | $1.07B | $0.13B | 8.54 |
| 2016-06-30 | $1.06B | $0.12B | 8.48 |
| 2016-03-31 | $1.07B | $0.12B | 8.78 |
| 2015-12-31 | $1.04B | $0.12B | 8.71 |
| 2015-09-30 | $0.85B | $0.10B | 8.18 |
| 2015-06-30 | $0.84B | $0.10B | 8.13 |
| 2015-03-31 | $0.83B | $0.10B | 8.09 |
| 2014-12-31 | $0.83B | $0.10B | 8.20 |
| 2014-09-30 | $0.81B | $0.10B | 8.21 |
| 2014-06-30 | $0.82B | $0.10B | 8.31 |
| 2014-03-31 | $0.81B | $0.10B | 8.44 |
| 2013-12-31 | $0.82B | $0.09B | 8.94 |
| 2013-09-30 | $0.81B | $0.09B | 8.95 |
| 2013-06-30 | $0.79B | $0.09B | 8.89 |
| 2013-03-31 | $0.79B | $0.09B | 8.73 |
| 2012-12-31 | $0.79B | $0.09B | 8.86 |
| 2012-09-30 | $0.79B | $0.09B | 8.74 |
| 2012-06-30 | $0.80B | $0.09B | 9.18 |
| 2012-03-31 | $0.83B | $0.08B | 9.86 |
| 2011-12-31 | $0.80B | $0.08B | 9.78 |
| 2011-09-30 | $0.78B | $0.08B | 9.90 |
| 2011-06-30 | $0.78B | $0.08B | 10.33 |
| 2011-03-31 | $0.77B | $0.07B | 10.83 |
| 2010-12-31 | $0.74B | $0.07B | 10.83 |
| 2010-09-30 | $0.72B | $0.07B | 10.34 |
| 2010-06-30 | $0.71B | $0.07B | 10.62 |
| 2010-03-31 | $0.69B | $0.06B | 10.76 |
| 2009-12-31 | $0.67B | $0.06B | 10.86 |
| 2009-09-30 | $0.65B | $0.06B | 10.57 |
| 2009-06-30 | $0.65B | $0.06B | 11.48 |
| 2009-03-31 | $0.62B | $0.05B | 11.39 |
| 2008-12-31 | $0.62B | $0.05B | 11.67 |
| 2008-09-30 | $0.57B | $0.05B | 12.08 |
| 2008-06-30 | $0.55B | $0.05B | 10.90 |
| 2008-03-31 | $0.55B | $0.05B | 10.87 |
| 2007-12-31 | $0.54B | $0.05B | 11.18 |
| 2007-09-30 | $0.54B | $0.05B | 11.57 |
| 2007-06-30 | $0.54B | $0.04B | 12.11 |
| 2007-03-31 | $0.52B | $0.04B | 11.76 |
| 2006-12-31 | $0.53B | $0.04B | 12.15 |
| 2006-09-30 | $0.52B | $0.04B | 11.87 |
| 2006-06-30 | $0.51B | $0.04B | 12.27 |
| 2006-03-31 | $0.50B | $0.04B | 12.09 |
| 2005-12-31 | $0.49B | $0.04B | 11.73 |
| 2005-09-30 | $0.47B | $0.04B | 11.30 |
| 2005-06-30 | $0.47B | $0.04B | 11.31 |
| 2005-03-31 | $0.47B | $0.04B | 11.54 |
| 2004-12-31 | $0.46B | $0.04B | 11.24 |
| 2004-09-30 | $0.46B | $0.04B | 11.30 |
| 2004-06-30 | $0.46B | $0.04B | 11.85 |
| 2004-03-31 | $0.43B | $0.04B | 10.86 |
| 2003-12-31 | $0.43B | $0.04B | 11.04 |
| 2003-09-30 | $0.41B | $0.04B | 10.72 |
| 2003-06-30 | $0.41B | $0.04B | 10.32 |
| 2003-03-31 | $0.41B | $0.04B | 10.51 |
| 2002-12-31 | $0.39B | $0.04B | 10.27 |
| 2002-09-30 | $0.40B | $0.04B | 10.64 |
| 2002-06-30 | $0.40B | $0.04B | 11.06 |
| 2002-03-31 | $0.39B | $0.03B | 11.38 |
| 2001-12-31 | $0.39B | $0.03B | 11.61 |
| 2001-09-30 | $0.40B | $0.03B | 11.70 |
| 2001-06-30 | $0.39B | $0.03B | 12.30 |
| 2001-03-31 | $0.38B | $0.03B | 11.90 |
| 2000-12-31 | $0.38B | $0.03B | 12.53 |
| 2000-09-30 | $0.00B | 0.00 | |
| 2000-06-30 | $0.32B | $0.03B | 11.45 |
| 2000-03-31 | $0.00B | 0.00 | |
| 1999-06-30 | $0.29B | $0.03B | 10.45 |
| 1999-03-31 | $0.28B | $0.03B | 9.90 |
| 1998-12-31 | $0.29B | $0.03B | 9.97 |
| 1998-09-30 | $0.28B | $0.03B | 10.24 |
| 1998-06-30 | $0.27B | $0.03B | 10.16 |
| 1998-03-31 | $0.27B | $0.03B | 10.22 |
| 1994-06-30 | $0.20B | $0.02B | 11.08 |
| 1994-03-31 | $0.20B | $0.02B | 10.68 |
| 1993-12-31 | $0.20B | $0.02B | 10.79 |
| 1993-09-30 | $0.20B | $0.02B | 11.16 |
| 1993-06-30 | $0.19B | $0.02B | 11.23 |
| 1993-03-31 | $0.18B | $0.02B | 10.81 |
| 1992-12-31 | $0.19B | $0.02B | 11.38 |
| 1992-06-30 | $0.18B | $0.02B | 11.60 |
| 1992-03-31 | $0.17B | $0.02B | 11.14 |
| 1991-12-31 | $0.17B | $0.02B | 11.49 |
| 1991-09-30 | $0.17B | $0.02B | 11.28 |
| 1991-06-30 | $0.17B | $0.02B | 11.30 |
| 1991-03-31 | $0.16B | $0.02B | 11.00 |
| 1990-12-31 | $0.16B | $0.01B | 11.12 |
| 1990-09-30 | $0.12B | $0.01B | 11.81 |
| 1990-06-30 | $0.12B | $0.01B | 11.77 |
| 1990-03-31 | $0.11B | $0.01B | 11.44 |
| 1989-12-31 | $0.15B | $0.01B | 10.64 |
| 1989-09-30 | $0.11B | $0.01B | 11.29 |
| 1989-06-30 | $0.11B | $0.01B | 11.37 |
| 1989-03-31 | $0.11B | $0.01B | 11.48 |
| 1988-12-31 | $0.10B | $0.01B | 11.45 |
| 1988-09-30 | $0.10B | $0.01B | 11.04 |
| 1988-06-30 | $0.10B | $0.01B | 11.22 |
| 1988-03-31 | $0.10B | $0.01B | 11.45 |
| 1987-12-31 | $0.09B | $0.01B | 11.13 |
| 1987-09-30 | $0.09B | $0.01B | 10.65 |
| 1987-06-30 | $0.09B | $0.01B | 10.66 |
| 1987-03-31 | $0.09B | $0.01B | 10.38 |
| 1986-12-31 | $0.08B | $0.01B | 10.32 |
| Sector | Industry | Market Cap | Revenue |
|---|---|---|---|
| Finance | Banks - Northeast | $0.391B | $0.174B |
| Citizens Financial Services, Inc. is the bank holding company for First Citizens National Bank. | |||
| Stock Name | Country | Market Cap | PE Ratio |
|---|---|---|---|
| Citizens Financial (CFG) | United States | $28.151B | 14.50 |
| Webster Financial (WBS) | United States | $12.569B | 12.31 |
| Central Bancompany (CBC) | United States | $7.520B | 0.00 |
| Valley National Bancorp (VLY) | United States | $7.482B | 11.48 |
| Atlantic Union Bankshares (AUB) | United States | $5.590B | 10.75 |
| Bank OZK (OZK) | United States | $5.369B | 7.93 |
| Eastern Bankshares (EBC) | United States | $4.934B | 12.70 |
| Fulton Financial (FULT) | United States | $4.479B | 10.43 |
| Independent Bank (INDB) | United States | $3.907B | 12.44 |
| Nicolet Bankshares (NIC) | United States | $3.518B | 15.08 |
| FB Financial (FBK) | United States | $2.706B | 12.06 |
| NBT Bancorp (NBTB) | United States | $2.681B | 12.65 |
| Beacon Financial (BBT) | United States | $2.608B | 11.53 |
| Merchants Bancorp (MBIN) | United States | $2.418B | 10.57 |
| OFG Bancorp (OFG) | United States | $2.219B | 10.33 |
| First Commonwealth Financial (FCF) | United States | $2.143B | 13.01 |
| Bancorp (TBBK) | United States | $2.069B | 9.54 |
| S&T Bancorp (STBA) | United States | $1.758B | 13.26 |
| Byline Bancorp (BY) | United States | $1.700B | 11.30 |
| Bank First National (BFC) | United States | $1.669B | 17.50 |
| Pathward Financial (CASH) | United States | $1.630B | 9.83 |
| ConnectOne Bancorp (CNOB) | United States | $1.587B | 9.98 |
| Esquire Financial Holdings (ESQ) | United States | $1.466B | 19.53 |
| First Mid Bancshares (FMBH) | United States | $1.335B | 11.33 |
| HBT Financial (HBT) | United States | $1.311B | 13.10 |
| Univest Of Pennsylvania (UVSP) | United States | $1.177B | 12.34 |
| Metropolitan Bank Holding (MCB) | United States | $1.113B | 11.36 |
| Equity Bancshares (EQBK) | United States | $1.013B | 9.63 |
| CNB Financial (CCNE) | United States | $1.008B | 9.75 |
| Business First Bancshares (BFST) | United States | $1.008B | 10.50 |
| Horizon Bancorp (IN) (HBNC) | United States | $1.001B | 10.65 |
| NB Bancorp (NBBK) | United States | $0.996B | 12.03 |
| TrustCo Bank Corp NY (TRST) | United States | $0.977B | 15.94 |
| Camden National (CAC) | United States | $0.965B | 10.96 |
| Mid Penn Bancorp (MPB) | United States | $0.934B | 11.85 |
| SmartFinancial (SMBK) | United States | $0.883B | 15.02 |
| Eagle Bancorp (EGBN) | United States | $0.861B | 0.00 |
| Orrstown Financial Services Inc (ORRF) | United States | $0.826B | 9.44 |
| Independent Bank (IBCP) | United States | $0.810B | 10.60 |
| Peapack-Gladstone Financial (PGC) | United States | $0.798B | 15.64 |
| Financial Institutions (FISI) | United States | $0.793B | 9.98 |
| Shore Bancshares Inc (SHBI) | United States | $0.775B | 10.76 |
| Washington Trust Bancorp (WASH) | United States | $0.748B | 13.62 |
| Peoples Financial Services (PFIS) | United States | $0.710B | 7.90 |
| Arrow Financial (AROW) | United States | $0.708B | 12.02 |
| Midland States Bancorp (MSBI) | United States | $0.692B | 14.00 |
| Carter Bankshares (CARE) | United States | $0.678B | 19.11 |
| Hingham Institution For Savings (HIFS) | United States | $0.657B | 16.72 |
| Unity Bancorp (UNTY) | United States | $0.595B | 10.66 |
| Capital Bancorp (CBNK) | United States | $0.592B | 11.25 |
| Bridgewater Bancshares (BWB) | United States | $0.582B | 12.35 |
| Dacotah Banks (DBIN) | United States | $0.578B | 11.80 |
| Bankwell Financial (BWFG) | United States | $0.532B | 12.47 |
| Orange County Bancorp (OBT) | United States | $0.513B | 10.77 |
| Farmers & Merchants Bancorp (FMAO) | United States | $0.493B | 12.30 |
| Citizens & Northern Corp (CZNC) | United States | $0.466B | 14.11 |
| Pioneer Bancorp (PBFS) | United States | $0.450B | 22.64 |
| Avidia Bancorp (AVBC) | United States | $0.445B | 23.46 |
| Parke Bancorp (PKBK) | United States | $0.405B | 8.98 |
| Mvb Financial (MVBF) | United States | $0.401B | 42.90 |
| First Bancorp (ME) (FNLC) | United States | $0.396B | 10.41 |
| Norwood Financial (NWFL) | United States | $0.380B | 10.37 |
| Northeast Community Bancorp (NECB) | United States | $0.374B | 8.71 |
| LINKBANCORP (LNKB) | United States | $0.327B | 12.31 |
| Fidelity D&D Bancorp (FDBC) | United States | $0.318B | 10.43 |
| Chain Bridge Bancorp (CBNA) | United States | $0.302B | 11.34 |
| Blue Foundry Bancorp (BLFY) | United States | $0.293B | 0.00 |
| Princeton Bancorp (BPRN) | United States | $0.293B | 11.33 |
| Isabella Bank (ISBA) | United States | $0.291B | 14.01 |
| Franklin Financial Services (FRAF) | United States | $0.286B | 11.57 |
| Middlefield Banc (MBCN) | United States | $0.283B | 14.66 |
| First United (FUNC) | United States | $0.281B | 10.07 |
| First National (FXNC) | United States | $0.279B | 13.02 |
| LCNB (LCNB) | United States | $0.274B | 11.10 |
| QNB (QNBC) | United States | $0.274B | 11.68 |
| Richmond Mutual Bancorporation (RMBI) | United States | $0.265B | 13.06 |
| Hawthorn Bancshares (HWBK) | United States | $0.264B | 10.03 |
| Virginia National Bankshares (VABK) | United States | $0.256B | 10.34 |
| First Internet Bancorp (INBK) | United States | $0.241B | 0.00 |
| Meridian Bank (MRBK) | United States | $0.231B | 9.42 |
| Community Bancorp (CMTV) | United States | $0.229B | 12.44 |
| CF Bankshares (CFBK) | United States | $0.224B | 11.98 |
| PSB Holdings (PSBQ) | United States | $0.209B | 14.74 |
| Rhinebeck Bancorp (RBKB) | United States | $0.201B | 18.07 |
| CB Financial Services (CBFV) | United States | $0.189B | 12.44 |
| Hanover Bancorp (HNVR) | United States | $0.187B | 16.64 |
| SB Financial (SBFG) | United States | $0.183B | 10.90 |
| ECB Bancorp (ECBK) | United States | $0.181B | 15.14 |
| MainStreet Bank (MNSB) | United States | $0.178B | 12.25 |
| BV Financial (BVFL) | United States | $0.177B | 10.41 |
| DimeCo (DIMC) | United States | $0.164B | 8.76 |
| SR Bancorp (SRBK) | United States | $0.158B | 47.66 |
| BCB Bancorp (NJ) (BCBP) | United States | $0.149B | 0.00 |
| American Bank (AMBK) | United States | $0.147B | 10.49 |
| Southern Michigan Bancorp (SOMC) | United States | $0.146B | 11.93 |
| F & M Bank (FMBM) | United States | $0.145B | 9.98 |
| Hoyne Bancorp (HYNE) | United States | $0.133B | 0.00 |
| Magyar Bancorp (MGYR) | United States | $0.124B | 10.30 |
| Community Heritage Financial (CMHF) | $0.122B | 11.06 | |
| Winchester Bancorp (WSBK) | United States | $0.120B | 26.33 |
| First Keystone (FKYS) | United States | $0.119B | 14.98 |
| Harleysville Savings Financial (HARL) | United States | $0.119B | 9.82 |
| Potomac Bancshares (PTBS) | $0.119B | 10.29 | |
| Jeffersonville Bancorp (JFBC) | United States | $0.119B | 9.06 |
| Union Bankshares (UNB) | United States | $0.117B | 9.05 |
| Bogota Financial (BSBK) | United States | $0.115B | 42.90 |
| University Bancorp (UNIB) | United States | $0.115B | 0.00 |
| Oxford Bank (OXBC) | $0.112B | 11.64 | |
| Patriot National Bancorp (PNBK) | United States | $0.109B | 0.00 |
| 1895 Bancorp Of Wisconsin (BCOW) | United States | $0.098B | 84.29 |
| IF Bancorp (IROQ) | United States | $0.093B | 17.33 |
| Cullman Bancorp (CULL) | United States | $0.092B | 0.00 |
| Ballston Spa Bancorp (BSPA) | United States | $0.090B | 0.00 |
| Freedom Financial Holdings (FDVA) | United States | $0.085B | 0.00 |
| AmeriServ Financial (ASRV) | United States | $0.083B | 9.57 |
| First Seacoast Bancorp (FSEA) | United States | $0.081B | 0.00 |
| First Resource Bancorp (FRSB) | United States | $0.078B | 7.91 |
| NSTS Bancorp (NSTS) | United States | $0.074B | 0.00 |
| FFBW (FFBW) | United States | $0.065B | 21.64 |
| Cib Marine Bancshares (CIBH) | United States | $0.060B | 29.11 |
| West Shore Bank (WSSH) | $0.053B | 0.00 | |
| PB Bankshares (PBBK) | United States | $0.051B | 20.21 |
| Pioneer Bankshares (PNBI) | United States | $0.050B | 12.56 |
| Marathon Bancorp (MBBC) | United States | $0.044B | 22.40 |