Citizens Financial Services, Inc.

Citizens Financial Services, Inc.verified

CZFS

Price:

$72.74

Market Cap:

$346.22M

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody o...[Read more]

Industry

Banks - Regional

IPO Date

1999-01-04

Stock Exchange

NASDAQ

Ticker

CZFS

The ROE as of November 2024 (TTM) for Citizens Financial Services, Inc. (CZFS) is 9.54%

According to Citizens Financial Services, Inc.’s latest financial reports and current stock price. The company's current ROE is 9.54%. This represents a change of 299.88% compared to the average of 2.39% of the last 4 quarters.

Citizens Financial Services, Inc. (CZFS) Historical ROE (quarterly & annually)

How has CZFS ROE performed in the past?

The mean historical ROE of Citizens Financial Services, Inc. over the last ten years is 11.64%. The current 9.54% ROE has changed -18.04% with respect to the historical average. Over the past ten years (40 quarters), CZFS's ROE was at its highest in in the March 2021 quarter at 4.26%. The ROE was at its lowest in in the June 2023 quarter at -1.57%.

Quarterly (TTM)
Annual

Average

11.64%

Median

12.76%

Minimum

6.37%

Maximum

14.52%

Citizens Financial Services, Inc. (CZFS) ROE by Quarter and Year

Discovering the peaks and valleys of Citizens Financial Services, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 28.30%

Maximum Annual ROE = 14.52%

Minimum Annual Increase = -56.14%

Minimum Annual ROE = 6.37%

Quarterly (TTM)
Annual
YearROEChange
20236.37%-56.14%
202214.52%5.96%
202113.70%6.04%
202012.92%2.62%
201912.59%-2.78%
201812.95%28.30%
201710.10%-1.53%
201610.25%5.61%
20159.71%-27.09%
201413.31%-8.36%

Citizens Financial Services, Inc. (CZFS) Average ROE

How has CZFS ROE performed in the past?

The current ROE of Citizens Financial Services, Inc. (CZFS) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

11.53%

5-year avg

12.02%

10-year avg

11.64%

Citizens Financial Services, Inc. (CZFS) ROE vs. Peers

How is CZFS’s ROE compared to its peers?

Citizens Financial Services, Inc.’s ROE is less than Home Federal Bancorp, Inc. of Louisiana (6.25%), less than HMN Financial, Inc. (4.89%), less than Oconee Federal Financial Corp. (8.62%), less than Community West Bancshares (0.44%), less than Cullman Bancorp, Inc. (3.60%), less than Magyar Bancorp, Inc. (7.27%), less than HV Bancorp, Inc. (5.26%), less than Finward Bancorp (7.60%), less than First Financial Northwest, Inc. (0.66%), less than Oak Valley Bancorp (14.38%), less than Affinity Bancshares, Inc. (4.50%), less than Home Bancorp, Inc. (9.58%), less than First Business Financial Services, Inc. (13.15%), less than LINKBANCORP, Inc. (2.01%), less than Great Southern Bancorp, Inc. (10.36%),

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