CITIZENS FINANCIAL SERVICES, INC. (CZFS) Return on equity 2018–2025
CITIZENS FINANCIAL SERVICES, INC. (CZFS) return on equity by fiscal year — reported net income divided by year-end shareholders’ equity.
10.8%FY2025 · since FY2018: 13.0% → 10.8%
| Fiscal year | Value | YoY |
|---|---|---|
| FY2025 | 10.8% | +1.5 pp |
| FY2024 | 9.3% | +2.9 pp |
| FY2023 | 6.4% | -8.2 pp |
| FY2022 | 14.5% | +0.8 pp |
| FY2021 | 13.7% | +0.8 pp |
| FY2020 | 12.9% | +0.3 pp |
| FY2019 | 12.6% | -0.4 pp |
| FY2018 | 13.0% | — |
ROE = reported net income ÷ reported year-end shareholders’ equity for the same fiscal year. Heavy buybacks shrink equity and can push ROE very high (or negative-equity years drop out).
Source: SEC XBRL filings · For reference only · Not investment advice
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