Citizens Financial Servic... (CZFS)
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60.80
-1.22%
After-hours Jan 06, 2025, 04:00 PM EST

Ratios (Annual)

Discover comprehensive ratio statement breakdowns that reveal insights into revenue, expenses, and beyond.
Year FY23 FY22 FY21 FY20 FY19 FY18 FY17 FY16 FY15 FY14 FY13 FY12 FY11 FY10 FY09 FY08 FY07 FY06 FY05 FY04 FY03 FY02 FY01 FY00 FY99 FY98 FY97 FY96 FY95 FY94 FY93
PE Ratio 15.93 10.38 8.14 8.40 11.00 10.70 16.67 13.87 13.89 12.07 13.21 8.71 7.75 10.17 7.43 7.97 8.43 11.03 11.31 14.59 15.46 12.35 11.74 10.14 15.07 19.01 13.32 11.69 11.20 11.93 12.91
PS Ratio 3.29 3.68 3.02 2.87 3.68 3.51 4.26 3.82 4.22 4.29 4.75 3.24 2.79 3.48 2.35 2.26 2.35 2.83 2.66 3.55 3.41 3.14 2.32 2.22 3.80 26.40 19.17 21.99 22.43 22.52 22.67
PB Ratio 1.01 1.51 1.12 1.09 1.39 1.39 1.68 1.42 1.35 1.61 1.92 1.38 1.22 1.70 1.19 1.04 1.17 1.47 1.44 1.88 1.96 1.80 1.32 1.06 1.98 2.32 1.97 1.53 1.49 1.66 1.71
P/FCF Ratio 11.86 9.54 6.31 19.39 10.07 9.19 13.98 11.23 13.41 10.86 10.10 8.62 6.45 10.15 8.76 5.83 7.47 10.51 9.16 15.86 9.27 8.68 29.88 -17.92 13.90 14.31 8.74 10.11 8.66 8.34 11.99
P/OCF Ratio 10.69 9.07 6.13 17.85 9.85 8.98 13.79 10.82 12.60 9.98 9.92 8.36 6.39 9.13 7.38 5.31 7.04 9.12 7.63 10.73 8.74 8.19 12.38 8.32 10.95 14.31 8.74 9.43 8.66 8.34 11.99
OCF/S Ratio 0.31 0.41 0.49 0.16 0.37 0.39 0.31 0.35 0.33 0.43 0.48 0.39 0.44 0.38 0.32 0.43 0.33 0.31 0.35 0.33 0.39 0.38 0.19 0.27 0.35 1.85 2.19 2.33 2.59 2.70 1.89
Debt / Equity Ratio 1.15 1.29 0.35 0.46 0.55 0.65 0.89 0.65 0.35 0.42 0.73 0.91 0.66 0.82 0.88 1.16 1.66 1.74 1.27 0.86 0.92 0.44 0.40 0.37 0.95 0.26 0.26 0.69 0.42 0.85 0.21
Quick Ratio 10.84 421.47 1.11K 466.03 295.80 1.07K 1.19K 1.20K 1.04K 788.74 643.88 481.54 355.68 302.68 249.59 211.13 204.22 192.80 12.89 19.27 19.54 150.39 175.30 149.85 0.83 n/a n/a n/a n/a n/a n/a
Current Ratio 10.84 388.88 845.99 377.24 255.55 4.14 4.68 16.46 5.74 4.82 4.17 3.34 2.39 1.94 1.54 1.30 1.15 1.07 0.07 0.09 0.10 0.95 0.87 0.88 0.83 n/a n/a n/a n/a n/a n/a
Asset Turnover 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.04 0.04 0.01 0.01 0.01 0.01 0.01 0.01
Interest Coverage 0.91 4.24 4.97 3.75 1.94 3.24 4.26 4.11 3.98 4.42 3.71 3.42 2.70 2.29 1.95 1.58 1.50 1.49 1.63 1.73 1.70 1.71 1.32 1.27 1.38 1.41 1.47 1.40 1.41 1.48 1.42
Return on Equity (ROE) 0.06 0.15 0.14 0.13 0.13 0.13 0.10 0.10 0.10 0.13 0.15 0.16 0.16 0.17 0.16 0.13 0.14 0.13 0.13 0.13 0.13 0.15 0.11 0.11 0.13 0.12 0.15 0.13 0.13 0.14 0.13
Return on Assets (ROA) 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01
Return on Capital (ROIC) 0.01 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03 0.03 0.04 0.03 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.05 0.05 0.06 0.05 0.06 0.05 0.05
Dividend Yield 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.03 0.03 0.04 0.02 0.04 0.03 0.03 0.04 0.05 0.04 0.04 0.04 0.03 0.03 0.03 0.04 0.05 0.03 0.02 0.03 0.03 0.04 0.03 0.03
Payout Ratio 0.48 0.26 0.25 0.26 0.32 0.34 0.40 0.40 0.44 0.46 0.27 0.32 0.25 0.27 0.30 0.41 0.38 0.42 0.44 0.42 0.43 0.34 0.48 0.52 0.44 0.42 0.42 0.40 0.40 0.40 0.41
Gross Profit Margin 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Net Profit Margin 20.63% 35.49% 37.13% 34.10% 33.42% 32.84% 25.58% 27.56% 30.39% 35.51% 35.97% 37.15% 36.01% 34.16% 31.58% 28.37% 27.85% 25.65% 23.56% 24.31% 22.08% 25.41% 19.77% 21.90% 25.19% 138.84% 143.95% 188.16% 200.28% 188.71% 175.52%
Pretax Profit Margin 24.92% 43.35% 45.04% 41.25% 39.97% 39.03% 37.43% 34.17% 37.50% 44.95% 46.06% 48.47% 46.13% 43.53% 40.17% 33.40% 35.18% 32.09% 31.00% 31.12% 27.89% 33.42% 23.79% 26.30% 32.59% 200.20% 206.80% 270.05% 282.33% 271.96% 241.27%
Operating Profit Margin 49.41% 58.13% 45.04% 41.25% 39.97% 56.47% 48.90% 45.16% 50.10% 58.09% 63.04% 68.49% 73.30% 77.21% 82.54% 91.17% 105.14% 98.21% 80.14% 73.75% 67.83% 80.67% 99.05% 123.49% 118.14% 668.92% 642.94% 950.94% 978.52% 843.06% 809.92%
FCF Margin 27.71% 38.60% 47.93% 14.78% 36.49% 38.21% 30.51% 34.03% 31.46% 39.45% 47.03% 37.56% 43.28% 34.23% 26.77% 38.78% 31.45% 26.91% 29.07% 22.38% 36.83% 36.19% 7.77% -12.38% 27.32% 184.52% 219.42% 217.54% 259.01% 270.17% 188.99%
EBITDA Margin 26.68% 44.62% 46.46% 42.80% 41.75% 39.74% n/a n/a n/a n/a n/a -1.22% 47.45% 50.68% 42.73% 36.70% n/a n/a n/a 41.13% n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a