Citizens Financial Services

Citizens Financial Services FCF Conversion

The FCF Conversion Rate (FCF/EBITDA) of Citizens Financial Services (CZFS) as of Nov 3, 2026 is 96.35 %. In the previous year, FCF Conversion Rate (FCF/EBITDA) was 114.56 % — a change of -15.89% (lower).

FCF Conversion

96.35 %

YoY

-15.89%

Last updated:

FCF Conversion Rate (FCF/EBITDA) of Citizens Financial Services is 2025 96.35 % . FCF Conversion Rate (FCF/EBITDA) of Citizens Financial Services was 2024 114.56 % . It decreases by -15.89% lower compared to the previous year.

The Citizens Financial Services FCF Conversion history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

FCF Conversion
Date
FCF Conversion
Jan 1, 2018
116.37 USD
Jan 1, 2019
109.20 USD
Jan 1, 2020
43.34 USD
Jan 1, 2021
129.09 USD
Jan 1, 2022
108.76 USD
Jan 1, 2023
134.30 USD
Jan 1, 2024
114.56 USD
Jan 1, 2025
96.35 USD
The Citizens Financial Services FCF Conversion history
YEARFCF ConversionYoY
96.35 %-15.89%
114.56 %-14.70%
134.30 %+23.48%
108.76 %-15.75%
129.09 %+197.84%
43.34 %-60.31%
109.20 %-6.16%
116.37 %-2.41%
119.24 %-3.44%
123.49 %+19.30%
103.52 %-6.81%
111.09 %—

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Citizens Financial Services Stock analysis

What does Citizens Financial Services do? Citizens Financial Services Inc. is an American financial services company based in Providence, Rhode Island. The company was founded in 1828 and has since had a long history as one of the oldest and most trusted banks in the USA. Citizens Financial Services Inc. is divided into several business segments, including retail banking, commercial banking, wealth management, and capital markets. These various business segments offer a variety of products and services tailored to the needs of customers. In the retail banking segment, Citizens Financial Services Inc. offers a wide range of financial products and services, including savings accounts, checking accounts, credit cards, mortgages, and personal loans. The company is also a leading provider of online banking services and mobile banking apps. The commercial banking segment of Citizens Financial Services Inc. specializes in serving the needs of businesses and other institutions. Here, various financial services such as lines of credit, trade financing, cash management solutions, and foreign exchange transactions are offered. The company works closely with its customers to develop customized financial solutions that meet their individual needs and challenges. In the wealth management segment, Citizens Financial Services Inc. offers a variety of investment and asset management services. The company has excellent customer service and specializes in various topics, including wealth transfer, succession planning, tax and investment advice, and trust services. Finally, the capital markets segment of Citizens Financial Services Inc. is focused on institutional customers, including public and private companies, sovereign wealth funds, and insurance companies. Various financial products such as bonds, FX closing rates, treasury bills, and interest loans are offered here. The company always aims to provide world-class service solutions to its customers. Citizens Financial Services Inc. has a competent and dedicated staff whose goal is to provide customers with the best support and tailored solutions. The company is committed to satisfying a wide range of customer needs and helping them achieve their financial goals. Through the implementation of innovative and customer-oriented approaches and a wide range of financial services, Citizens Financial Services Inc. has earned a good place in the industry. Citizens Financial Services is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Citizens Financial Services stock

FCF Conversion Rate (FCF/EBITDA) of Citizens Financial Services is 96.35 % in 2025.

FCF Conversion Rate (FCF/EBITDA) of Citizens Financial Services changed from 114.56 % to 96.35 %, representing a -15.89% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of FCF Conversion Rate (FCF/EBITDA) Citizens Financial Services since 2006 – with annual values, charts, and detailed analysis.

FCF conversion measures how effectively EBITDA converts to free cash flow. Higher conversion indicates efficient capital allocation and low maintenance costs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare FCF Conversion Rate (FCF/EBITDA)'s Citizens Financial Services with sector peers and the industry average to assess whether it is attractive.

To evaluate FCF Conversion Rate (FCF/EBITDA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for FCF Conversion Rate (FCF/EBITDA).

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Cash Flow — Citizens Financial Services

All Key Metrics — Citizens Financial Services