Citizens Financial Services, Inc.’s Return on Equity at a glance
Citizens Financial Services, Inc. reports return on equity of 9.3% for Dec 2024. The prior period recorded 6.4% (Dec 2023). Year over year the metric moved +2.9 pts (+45.7%). The rolling three-period average stands at 10.1%. Data last refreshed Dec 8, 2025, 11:55 AM.
Latest reading
9.3% · Dec 2024
YoY movement
+2.9 pts (+45.7%)
Rolling average
10.1%
Current Return on Equity
9.3%
+2.9 pts
+45.7%
Rolling average
10.1%
Latest Value
9.3%
Dec 2024
YoY Change
+2.9 pts
Absolute
YoY Change %
+45.7%
Rate of change
3-Period Avg
10.1%
Smoothed
Narrative signal
Citizens Financial Services, Inc.’s return on equity stands at 9.3% for Dec 2024. Year-over-year, the metric shifted by +2.9 pts, translating into a +45.7% rate of change versus the prior period.
Pair this momentum with product cadence, pricing power, and capital allocation moves to understand durability.
Blend with balance sheet, cash flow, and peer benchmarks from AlphaPilot’s broader dashboards to shape an investable thesis.
How return on equity shapes Citizens Financial Services, Inc.'s story
As of Dec 2024, Citizens Financial Services, Inc. reports return on equity of 9.3%. Monitor ROE trends to assess management efficiency and the impact of leverage on profitability.
ROE as a performance score
High and stable ROE signals strong business models and effective capital deployment.
Leverage considerations
Rising debt can boost ROE. Pair the metric with leverage ratios to avoid overstating performance.
Valuation Multiples
Compare how the market prices revenue, equity, and operating cash flow versus peers and history.
Profitability & Margins
Understand cost structure and capital efficiency trends across gross, operating, and net results.
Growth Momentum
Track whether top-line, earnings, and free cash flow growth are accelerating or cooling.
Balance Sheet Strength
Evaluate leverage, liquidity, and cash generation capacity that underpin resilience.
Shareholder Returns
Follow dividend sustainability and cash generation relative to market value.
Citizens Financial Services, Inc. (CZFS) FAQs
Answers tailored to Citizens Financial Services, Inc.’s return on equity profile using the latest Financial Modeling Prep data.
What is Citizens Financial Services, Inc.'s current return on equity?
As of Dec 2024, Citizens Financial Services, Inc. reports return on equity of 9.3%. This reading reflects the latest filings and price data for CZFS.
How is Citizens Financial Services, Inc.'s return on equity trending year over year?
Year-over-year, the figure shifts by +2.9 pts (+45.7%). Pair this context with revenue growth and free cash flow signals to gauge momentum for CZFS.
Why does return on equity matter for Citizens Financial Services, Inc.?
Return on equity measures how effectively a company converts shareholder capital into net income. For Citizens Financial Services, Inc., operating within Financial Services — Banks - Regional, tracking this metric helps benchmark management's execution against close competitors.
Is Citizens Financial Services, Inc.'s return on equity above its recent average?
Citizens Financial Services, Inc.'s rolling three-period average sits at 10.1%. Comparing the latest reading of 9.3% to that baseline highlights whether momentum is building or fading for CZFS.
How frequently is Citizens Financial Services, Inc.'s return on equity refreshed?
Data for CZFS was last refreshed on Dec 8, 2025, 11:55 AM and updates automatically every 24 hours, keeping your valuation inputs current.