Citizens Historical Financial Ratios

CZFS Stock

USD 60.47 0.37 0.62%

Citizens Financial is presently reporting on over 99 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Dividend Yield of 0.0363, PTB Ratio of 1.66 or Days Sales Outstanding of 51.0 will help investors to properly organize and evaluate Citizens Financial financial condition quickly.

Quick Ratio Current Ratio

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

About Citizens Financial Ratios Analysis

Citizens FinancialFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Citizens Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Citizens financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Citizens Financial history.

Citizens Financial Financial Ratios Chart

At this time, Citizens Financial's Free Cash Flow Per Share is comparatively stable compared to the past year. Sales General And Administrative To Revenue is likely to gain to 0.72 in 2025, whereas Days Sales Outstanding is likely to drop 51.00 in 2025.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding Free Cash Flow Per Share Inventory Turnover

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing Citizens Financial stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Citizens Financial sales, a figure that is much harder to manipulate than other Citizens Financial Services multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is Citizens Financial Services dividend as a percentage of Citizens Financial stock price. Citizens Financial dividend yield is a measure of Citizens Financial stock productivity, which can be interpreted as interest rate earned on an Citizens Financial investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Free Cash Flow Per Share

The amount of cash a company generates after accounting for capital expenditures, divided by the number of outstanding shares. It represents the cash available for dividends, share buybacks, or debt repayment per share.

Inventory Turnover

A ratio showing how many times a company's inventory is sold and replaced over a period, indicating the efficiency of inventory management.

Most ratios from Citizens Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Citizens Financial current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

	2023	2024	2025 (projected)
Dividend Yield	0.03	0.0345	0.0363
Price To Sales Ratio	3.29	3.78	3.59

Dividend Yield Price To Sales Ratio

Citizens Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		0.01	0.39	0.99	-0.61	-0.16	-0.59	-0.18	0.39	0.93	-0.58	0.37	-0.59	0.93	-0.6	0.18	-0.28	0.17	0.06	0.12	-0.1	0.06	-0.08	0.13	-0.07	-0.11
Dividend Yield	0.01		-0.33	0.06	0.06	0.03	-0.15	0.29	-0.33	0.02	-0.19	-0.16	-0.22	0.25	-0.03	-0.22	-0.29	0.4	0.5	-0.17	0.01	0.05	-0.31	-0.16	-0.01	-0.25
Ptb Ratio	0.39	-0.33		0.31	-0.52	-0.17	-0.26	0.09	1.0	0.45	-0.24	0.0	-0.45	0.3	-0.23	-0.01	0.12	-0.02	-0.08	-0.08	0.05	0.37	-0.11	0.19	0.23	-0.17
Days Sales Outstanding	0.99	0.06	0.31		-0.58	-0.14	-0.59	-0.21	0.31	0.92	-0.59	0.37	-0.59	0.93	-0.62	0.16	-0.32	0.16	0.09	0.11	-0.11	0.06	-0.09	0.09	-0.09	-0.12
Book Value Per Share	-0.61	0.06	-0.52	-0.58		-0.16	0.64	0.22	-0.52	-0.41	0.59	-0.21	0.48	-0.36	0.69	-0.05	-0.23	0.18	0.52	0.03	0.29	-0.43	0.32	0.19	-0.51	0.38
Free Cash Flow Yield	-0.16	0.03	-0.17	-0.14	-0.16		0.51	-0.11	-0.17	-0.31	0.56	0.17	0.32	-0.24	-0.06	-0.81	0.26	-0.54	-0.52	-0.82	0.21	0.51	-0.76	-0.59	0.51	-0.76
Operating Cash Flow Per Share	-0.59	-0.15	-0.26	-0.59	0.64	0.51		0.27	-0.26	-0.54	1.0	0.03	0.72	-0.5	0.67	-0.58	0.23	-0.27	-0.07	-0.54	0.39	0.05	-0.24	-0.18	0.03	-0.21
Capex To Depreciation	-0.18	0.29	0.09	-0.21	0.22	-0.11	0.27		0.09	-0.05	0.23	-0.49	-0.12	-0.02	0.38	-0.27	0.0	0.67	0.31	-0.23	0.6	-0.42	0.13	0.51	-0.37	0.16
Pb Ratio	0.39	-0.33	1.0	0.31	-0.52	-0.17	-0.26	0.09		0.45	-0.24	0.0	-0.45	0.3	-0.23	-0.01	0.12	-0.02	-0.08	-0.08	0.05	0.37	-0.11	0.19	0.23	-0.17
Ev To Sales	0.93	0.02	0.45	0.92	-0.41	-0.31	-0.54	-0.05	0.45		-0.55	0.22	-0.69	0.95	-0.56	0.13	-0.51	0.34	0.32	0.08	0.09	-0.05	0.08	0.34	-0.3	0.06
Free Cash Flow Per Share	-0.58	-0.19	-0.24	-0.59	0.59	0.56	1.0	0.23	-0.24	-0.55		0.06	0.73	-0.52	0.64	-0.59	0.28	-0.33	-0.15	-0.56	0.37	0.1	-0.28	-0.22	0.09	-0.25
Roic	0.37	-0.16	0.0	0.37	-0.21	0.17	0.03	-0.49	0.0	0.22	0.06		0.41	0.27	-0.2	0.1	0.13	-0.6	-0.24	0.07	-0.56	0.51	-0.19	-0.59	0.48	-0.22
Net Income Per Share	-0.59	-0.22	-0.45	-0.59	0.48	0.32	0.72	-0.12	-0.45	-0.69	0.73	0.41		-0.63	0.6	-0.05	0.52	-0.57	-0.31	-0.02	-0.27	0.17	-0.04	-0.49	0.33	-0.03
Capex To Revenue	0.93	0.25	0.3	0.93	-0.36	-0.24	-0.5	-0.02	0.3	0.95	-0.52	0.27	-0.63		-0.47	0.09	-0.47	0.35	0.42	0.07	0.03	-0.01	-0.07	0.2	-0.24	-0.07
Cash Per Share	-0.6	-0.03	-0.23	-0.62	0.69	-0.06	0.67	0.38	-0.23	-0.56	0.64	-0.2	0.6	-0.47		-0.04	0.36	0.03	0.2	0.02	0.14	-0.21	0.07	0.06	-0.11	0.11
Pocfratio	0.18	-0.22	-0.01	0.16	-0.05	-0.81	-0.58	-0.27	-0.01	0.13	-0.59	0.1	-0.05	0.09	-0.04		0.11	0.14	0.09	0.99	-0.6	-0.35	0.67	0.25	-0.19	0.65
Interest Coverage	-0.28	-0.29	0.12	-0.32	-0.23	0.26	0.23	0.0	0.12	-0.51	0.28	0.13	0.52	-0.47	0.36	0.11		-0.49	-0.6	0.08	-0.39	0.33	-0.23	-0.4	0.57	-0.27
Payout Ratio	0.17	0.4	-0.02	0.16	0.18	-0.54	-0.27	0.67	-0.02	0.34	-0.33	-0.6	-0.57	0.35	0.03	0.14	-0.49		0.59	0.18	0.53	-0.76	0.44	0.83	-0.77	0.48
Capex To Operating Cash Flow	0.06	0.5	-0.08	0.09	0.52	-0.52	-0.07	0.31	-0.08	0.32	-0.15	-0.24	-0.31	0.42	0.2	0.09	-0.6	0.59		0.15	0.22	-0.32	0.23	0.37	-0.57	0.3
Pfcf Ratio	0.12	-0.17	-0.08	0.11	0.03	-0.82	-0.54	-0.23	-0.08	0.08	-0.56	0.07	-0.02	0.07	0.02	0.99	0.08	0.18	0.15		-0.58	-0.4	0.7	0.26	-0.23	0.69
Income Quality	-0.1	0.01	0.05	-0.11	0.29	0.21	0.39	0.6	0.05	0.09	0.37	-0.56	-0.27	0.03	0.14	-0.6	-0.39	0.53	0.22	-0.58		-0.43	0.01	0.6	-0.55	0.03
Roe	0.06	0.05	0.37	0.06	-0.43	0.51	0.05	-0.42	0.37	-0.05	0.1	0.51	0.17	-0.01	-0.21	-0.35	0.33	-0.76	-0.32	-0.4	-0.43		-0.7	-0.81	0.88	-0.72
Ev To Operating Cash Flow	-0.08	-0.31	-0.11	-0.09	0.32	-0.76	-0.24	0.13	-0.11	0.08	-0.28	-0.19	-0.04	-0.07	0.07	0.67	-0.23	0.44	0.23	0.7	0.01	-0.7		0.65	-0.62	0.99
Pe Ratio	0.13	-0.16	0.19	0.09	0.19	-0.59	-0.18	0.51	0.19	0.34	-0.22	-0.59	-0.49	0.2	0.06	0.25	-0.4	0.83	0.37	0.26	0.6	-0.81	0.65		-0.83	0.65
Return On Tangible Assets	-0.07	-0.01	0.23	-0.09	-0.51	0.51	0.03	-0.37	0.23	-0.3	0.09	0.48	0.33	-0.24	-0.11	-0.19	0.57	-0.77	-0.57	-0.23	-0.55	0.88	-0.62	-0.83		-0.65
Ev To Free Cash Flow	-0.11	-0.25	-0.17	-0.12	0.38	-0.76	-0.21	0.16	-0.17	0.06	-0.25	-0.22	-0.03	-0.07	0.11	0.65	-0.27	0.48	0.3	0.69	0.03	-0.72	0.99	0.65	-0.65

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Citizens Financial Account Relationship Matchups

Citizens Financial fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	3.68	2.87	3.02	3.29	3.78	3.59
Dividend Yield	0.031	0.0311	0.0252	0.03	0.0345	0.0363
Ptb Ratio	1.09	1.12	1.51	1.01	1.17	1.66
Days Sales Outstanding	29.74	24.37	32.69	46.69	53.69	51.0
Book Value Per Share	49.54	52.8	49.92	63.18	56.86	59.71
Operating Cash Flow Per Share	3.02	9.61	8.29	6.0	5.4	5.67
Stock Based Compensation To Revenue	0.006425	0.00783	0.004104	0.003579	0.003221	0.004387
Capex To Depreciation	(0.33)	0.99	1.58	1.72	1.98	1.39
Pb Ratio	1.09	1.12	1.51	1.01	1.17	1.66
Ev To Sales	2.95	1.62	6.43	6.4	7.36	9.15
Free Cash Flow Per Share	2.77	9.34	7.88	5.4	4.86	5.11
Roic	0.0344	0.0273	0.0402	0.0119	0.0137	0.013
Net Income Per Share	6.4	7.24	7.25	4.02	3.62	2.21
Cash Per Share	96.32	148.15	117.67	106.28	95.65	100.43
Pocfratio	17.85	6.13	9.07	10.69	9.62	7.76
Interest Coverage	3.75	4.97	4.24	0.91	0.82	0.78
Capex To Operating Cash Flow	0.0797	0.0286	0.0492	0.0986	0.11	0.17
Pfcf Ratio	19.39	6.31	9.54	11.86	10.67	8.12
Ev To Operating Cash Flow	18.39	3.29	15.84	20.83	18.75	9.83
Pe Ratio	8.4	8.14	10.38	15.93	18.31	13.0
Ev To Free Cash Flow	19.98	3.38	16.66	23.11	20.8	10.79
Intangibles To Total Assets	0.0168	0.0175	0.0154	0.014	0.03	0.0346
Net Debt To E B I T D A	0.2	(3.02)	6.16	11.69	10.52	11.04
Current Ratio	377.24	845.99	388.88	10.84	9.76	9.27
Tangible Book Value Per Share	41.12	44.6	41.78	42.98	38.68	40.62
Receivables Turnover	12.27	14.98	11.17	7.82	7.04	6.63
Graham Number	84.48	92.71	90.23	75.63	68.07	71.47
Shareholders Equity Per Share	49.54	52.8	49.92	63.18	56.86	59.71
Capex Per Share	0.24	0.27	0.41	0.59	0.68	0.34
Graham Net Net	(346.96)	(354.4)	(418.03)	(500.85)	(575.98)	(547.18)
Revenue Per Share	18.77	19.48	20.42	19.51	17.55	18.43

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Citizens Historical Financial Ratios

About Citizens Financial Ratios Analysis

Citizens Financial Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

Free Cash Flow Per Share

Inventory Turnover

Citizens Financial fundamentals Correlations

Citizens Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Citizens Financial fundamentals Accounts

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Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Days Sales Outstanding	+ 0.99	Price To Sales Ratio
Pfcf Ratio	+ 0.99	Pocfratio
Ev To Free Cash Flow	+ 0.99	Ev To Operating Cash Flow
Capex To Revenue	+ 0.95	Ev To Sales

Return On Tangible Assets	- 0.83	Pe Ratio
Pfcf Ratio	- 0.82	Free Cash Flow Yield
Pe Ratio	- 0.81	Roe
Pocfratio	- 0.81	Free Cash Flow Yield
Return On Tangible Assets	- 0.77	Payout Ratio
Roe	- 0.76	Payout Ratio