Citizens Financial Services Inc. Common Stock

NASDAQ CZFS

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Citizens Financial Services Inc. Common Stock Debt to EBITDA Ratio 1 year YoY Change (%) for the Trailing 12 Months (TTM) ending December 31, 2023: 19.53%

Citizens Financial Services Inc. Common Stock Debt to EBITDA Ratio 1 year YoY Change (%) is 19.53% for the Trailing 12 Months (TTM) ending December 31, 2023, a -46.76% change year over year. The debt to EBITDA ratio measures the amount of debt a company has relative to its earnings before interest, taxes, depreciation, and amortization (EBITDA). It is calculated by dividing total debt by EBITDA. This ratio helps assess a company's ability to service its debt obligations using its operating income. A higher ratio indicates a higher level of debt burden and potential financial risk. The measure "Change (%)" refers to the percentage change in the value of a financial metric between two time points. This measure provides a relative perspective on the magnitude of change.

Citizens Financial Services Inc. Common Stock Debt to EBITDA Ratio for the Trailing 12 Months (TTM) ending March 31, 2023 was 33.64, a 118.51% change year over year.
Citizens Financial Services Inc. Common Stock Debt to EBITDA Ratio for the Trailing 12 Months (TTM) ending March 31, 2022 was 15.40, a -18.24% change year over year.
Citizens Financial Services Inc. Common Stock Debt to EBITDA Ratio for the Trailing 12 Months (TTM) ending March 31, 2021 was 18.83, a -6.50% change year over year.
Citizens Financial Services Inc. Common Stock Debt to EBITDA Ratio for the Trailing 12 Months (TTM) ending March 31, 2020 was 20.14, a 1.56% change year over year.

NASDAQ: CZFS

Citizens Financial Services Inc. Common Stock

CEO	Mr. Randall E. Black
IPO Date	Jan. 2, 2001
Location	United States
Headquarters	15 South Main Street, Mansfield, PA, United States, 16933
Employees	394
Sector	Financial Services
Industry	Banks - regional

Description

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

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