CITIZENS FINANCIAL SERVICES, INC. (CZFS) Spending and interest coverage
- R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2025-12-31..
- Stock-based compensation / revenue · 12 months: Value 6.33%; Formula and calculation Share-based compensation / revenue. Period ending 2025-12-31..
- Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..
Spending and interest coverage
Overview →Financial period ending 2025-12-31; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | (m) | Research and development expense / revenue. Period ending 2025-12-31. Calculation unavailable: missing inputs remain (m). |
| Stock-based compensation / revenue · 12 months | 6.33% | Share-based compensation / revenue. Period ending 2025-12-31. $625.00K ÷ $9.88M × 100 ≈ 6.33% |
| Interest coverage · 12 months | (m) | Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m). |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | (m) | |
| Revenue | 9.88M USD | Revenue from Contract with Customer, Excluding Assessed Tax |
| Stock-based compensation | 625.00K USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | (m) | |
| Interest expense · reported / estimated | (m) | Interest Expense · Estimated expense assumptions |
Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2025-12-31 | (m) | $9.88M | $625.00K | (m) | (m) | (m) | 6.33% | (m) | (m) |
| 2024-12-31 | (m) | $9.61M | $412.00K | (m) | (m) | (m) | 4.29% | (m) | (m) |
| 2024-03-31 | (m) | $9.31M | (m) | (m) | $56.81M | (m) | (m) | (m) | Reported |
| 2023-12-31 | (m) | $8.97M | $309.00K | (m) | $46.86M | (m) | 3.44% | (m) | Reported |
| 2023-09-30 | (m) | $8.77M | (m) | (m) | $35.26M | (m) | (m) | (m) | Reported |
| 2023-06-30 | (m) | $8.44M | (m) | (m) | $23.91M | (m) | (m) | (m) | Reported |
| 2023-03-31 | (m) | $8.54M | (m) | (m) | $16.70M | (m) | (m) | (m) | Reported |
| 2022-12-31 | (m) | $8.59M | $336.00K | (m) | $11.22M | (m) | 3.91% | (m) | Reported |
| 2022-09-30 | (m) | $8.54M | (m) | (m) | $7.80M | (m) | (m) | (m) | Reported |
| 2022-06-30 | (m) | $8.21M | (m) | (m) | $6.62M | (m) | (m) | (m) | Reported |
| 2022-03-31 | (m) | $7.96M | (m) | (m) | $6.80M | (m) | (m) | (m) | Reported |
| 2021-12-31 | (m) | $7.74M | $614.00K | (m) | $7.11M | (m) | 7.94% | (m) | Reported |
| 2021-09-30 | (m) | $7.52M | (m) | (m) | $7.33M | (m) | (m) | (m) | Reported |
| 2021-06-30 | (m) | $7.26M | (m) | (m) | $7.50M | (m) | (m) | (m) | Reported |
| 2021-03-31 | (m) | $6.83M | (m) | (m) | $7.51M | (m) | (m) | (m) | Reported |
| 2020-12-31 | (m) | $6.66M | $473.00K | (m) | $8.11M | (m) | 7.10% | (m) | Reported |
| 2020-09-30 | (m) | $6.58M | (m) | (m) | $9.04M | (m) | (m) | (m) | Reported |
| 2020-06-30 | (m) | $6.64M | (m) | (m) | $10.10M | (m) | (m) | (m) | Reported |
| 2020-03-31 | (m) | $6.92M | (m) | (m) | $11.39M | (m) | (m) | (m) | Reported |
| 2019-12-31 | (m) | $6.93M | $369.00K | (m) | $12.04M | (m) | 5.33% | (m) | Reported |
| 2019-09-30 | (m) | $6.89M | (m) | (m) | $12.09M | (m) | (m) | (m) | Reported |
| 2019-06-30 | (m) | $6.78M | (m) | (m) | $11.60M | (m) | (m) | (m) | Reported |
| 2019-03-31 | (m) | $6.63M | (m) | (m) | $10.71M | (m) | (m) | (m) | Reported |
| 2018-12-31 | (m) | $6.51M | $308.00K | (m) | $9.57M | (m) | 4.73% | (m) | Reported |
| 2018-09-30 | (m) | (m) | (m) | (m) | $8.39M | (m) | (m) | (m) | Reported |
| 2018-06-30 | (m) | (m) | (m) | (m) | $7.40M | (m) | (m) | (m) | Reported |
| 2018-03-31 | (m) | (m) | (m) | (m) | $6.50M | (m) | (m) | (m) | Reported |
| 2017-12-31 | (m) | (m) | $278.00K | (m) | $5.84M | (m) | (m) | (m) | Reported |
| 2017-09-30 | (m) | (m) | (m) | (m) | $5.47M | (m) | (m) | (m) | Reported |
| 2017-06-30 | (m) | (m) | (m) | (m) | $5.21M | (m) | (m) | (m) | Reported |
| 2017-03-31 | (m) | (m) | (m) | (m) | $5.09M | (m) | (m) | (m) | Reported |
| 2016-12-31 | (m) | (m) | $284.00K | (m) | $5.04M | (m) | (m) | (m) | Reported |
| 2016-09-30 | (m) | (m) | (m) | (m) | $4.96M | (m) | (m) | (m) | Reported |
| 2016-06-30 | (m) | (m) | (m) | (m) | $4.94M | (m) | (m) | (m) | Reported |
| 2016-03-31 | (m) | (m) | (m) | (m) | $4.89M | (m) | (m) | (m) | Reported |
| 2015-12-31 | (m) | (m) | $179.00K | (m) | $4.82M | (m) | (m) | (m) | Reported |
| 2015-09-30 | (m) | (m) | (m) | (m) | $4.82M | (m) | (m) | (m) | Reported |
| 2015-06-30 | (m) | (m) | (m) | (m) | $4.84M | (m) | (m) | (m) | Reported |
| 2015-03-31 | (m) | (m) | (m) | (m) | $4.87M | (m) | (m) | (m) | Reported |
| 2014-12-31 | (m) | (m) | $200.00K | (m) | $4.95M | (m) | (m) | (m) | Reported |
| 2014-09-30 | (m) | (m) | (m) | (m) | $5.21M | (m) | (m) | (m) | Reported |
| 2014-06-30 | (m) | (m) | (m) | (m) | $5.54M | (m) | (m) | (m) | Reported |
| 2014-03-31 | (m) | (m) | (m) | (m) | $5.90M | (m) | (m) | (m) | Reported |
| 2013-12-31 | (m) | (m) | $218.00K | (m) | $6.32M | (m) | (m) | (m) | Reported |
| 2013-09-30 | (m) | (m) | (m) | (m) | $6.62M | (m) | (m) | (m) | Reported |
| 2013-06-30 | (m) | (m) | (m) | (m) | $6.92M | (m) | (m) | (m) | Reported |
| 2013-03-31 | (m) | (m) | (m) | (m) | $7.27M | (m) | (m) | (m) | Reported |
| 2012-12-31 | (m) | (m) | $201.00K | (m) | $7.66M | (m) | (m) | (m) | Reported |
| 2012-09-30 | (m) | (m) | (m) | (m) | $8.14M | (m) | (m) | (m) | Reported |
| 2012-06-30 | (m) | (m) | (m) | (m) | $8.69M | (m) | (m) | (m) | Reported |
| 2012-03-31 | (m) | (m) | (m) | (m) | $9.23M | (m) | (m) | (m) | Reported |
| 2011-12-31 | (m) | (m) | $209.00K | (m) | $9.68M | (m) | (m) | (m) | Reported |
| 2011-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2011-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2011-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2010-12-31 | (m) | (m) | $205.00K | (m) | $11.34M | (m) | (m) | (m) | Reported |
| 2010-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2010-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2009-12-31 | (m) | (m) | $115.00K | (m) | $13.23M | (m) | (m) | (m) | Reported |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.
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