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Citizens Financial Services's quarterly Total Liabilities
declined
from Dec. 2025 ($2,726.51 Mil) to Mar. 2026 ($2,682.90 Mil) but then
increased
from Mar. 2026 ($2,682.90 Mil) to Jun. 2026 ($2,839.28 Mil).
Citizens Financial Services's annual Total Liabilities
increased
from Dec. 2023 ($2,695.66 Mil) to Dec. 2024 ($2,725.99 Mil) and
increased
from Dec. 2024 ($2,725.99 Mil) to Dec. 2025 ($2,726.51 Mil).
* 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 Total Liabilities Chart
Citizens Financial Services Total Liabilities Calculation
Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.
Citizens Financial Services's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Total Liabilities of $2,839.3 Mil mean?
Citizens Financial Services (CZFS) has a Total Liabilities of $2,839.3 Mil as of Jun. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Citizens Financial Services and its competitors.
Is Citizens Financial Services' Total Liabilities too high?
Citizens Financial Services' current Total Liabilities is $2,839.3 Mil. 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' Total Liabilities compare to NWFL and WSBF?
Citizens Financial Services' Total Liabilities of $2,839.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Citizens Financial Services and its competitors. Citizens Financial Services's current Total Liabilities is $2,839.3 Mil. 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 Total Liabilities is $2,839.3 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Total Liabilities is $2,839.3 Mil 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:
Total Liabilities: $2,839.3 Mil
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
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
Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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