Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Citizens Financial ServicesCZFS -0.21%66 Cash-to-Debt is 0.11 as of Jun. 2026, which is 61% below its 10-year median of 0.28. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,485 Banks companies, Citizens Financial Services ranks worse than 92.93% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Citizens Financial Services's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.11.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Citizens Financial Servicescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Citizens Financial Services's Cash-to-Debt or its related term are showing as below:
CZFS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11 Med: 0.28 Max: 2.49
Current: 0.11
During the past 13 years, Citizens Financial Services's highest Cash to Debt Ratio was 2.49. The lowest was 0.11. And the median was 0.28.
CZFS's Cash-to-Debt is ranked worse than 92.93% of 1485
companies
in the Banks industry
Industry Median: 1.4
vs CZFS: 0.11
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Citizens Financial Services Cash-to-Debt Related Terms
Citizens Financial Services Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Citizens Financial Services's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Services Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Services (CZFS) has a Cash-to-Debt of 0.11 as of Jun. 2026. This is 61% below median its historical median of 0.28. Over the past decade, Citizens Financial Services' Cash-to-Debt has ranged from 0.11 to 2.49. According to the industry distribution chart, Citizens Financial Services ranks #1380 out of 1485 companies in the Banks industry, placing it in the top 92.9%.
Is Citizens Financial Services' Cash-to-Debt too high?
Citizens Financial Services' current Cash-to-Debt of 0.11 is 61% below median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 2.49. The Banks industry median Cash-to-Debt is 1.40. Citizens Financial Services' value of 0.11 is 92.1% below this industry median. Based on the distribution chart, Citizens Financial Services ranks #1380 out of 1485 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Cash-to-Debt compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #1380 out of 1485 companies for Cash-to-Debt. This places Citizens Financial Services in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Citizens Financial Services' value of 0.11 is 92.1% below this benchmark. Historically, Citizens Financial Services' own Cash-to-Debt has ranged from 0.11 to 2.49 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 1.40, Citizens Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,485 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Cash-to-Debt of 0.11 is 92.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Cash-to-Debt is 0.11, which is 61% below median its own 10-year median of 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Cash-to-Debt is 0.11, which is 61% below median its 10-year median of 0.28 and 92.1% below the Banks industry median of 1.40. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Cash-to-Debt is 0.11 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Services (CZFS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued.
The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15.
GuruFocus considers Citizens Financial Services to be Modestly Overvalued.
Key valuation signals for CZFS:
Cash-to-Debt: 0.11 (61% below median its 10-year median of 0.28)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 92.1% below the Banks median (#1380 of 1485)
No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score
Get the complete analysis for CZFS
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CZFS has been successfully added to your 
