Citizens Financial Services, Inc. CZFS Total debt

Total debt at other companies

M&T BankMTB

$26.83B+97.7%

Fulton FinancialFULT

$1.94B-11.8%

Citizens & NorthernCZNC

$14.64M+2,647%

CTB

Community Trust BancorpCTBI

$16M-0.5%

SB Financial GroupSBFG

$17.04M-55.7%

Civista BancsharesCIVB

$2.52M+10.7%

FAQ

What is Citizens Financial Services, Inc.'s total debt?

Citizens Financial Services, Inc. (CZFS) reported total debt of $394.02M in Q2 2026.

How has Citizens Financial Services, Inc.'s total debt changed year-over-year?

Citizens Financial Services, Inc.'s total debt increased by 25.8% year-over-year, from $313.22M to $394.02M.

What is the long-term trend for Citizens Financial Services, Inc.'s total debt?

Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s total debt has grown at a 31.6% compound annual growth rate (CAGR), from $152.75M to $602.53M.

What does total debt mean?

Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.