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CZFS (Citizens Financial Services) Equity-to-Asset : 0.10 (As of Mar. 2025)


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What is Citizens Financial Services Equity-to-Asset?

Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Citizens Financial Services's Total Stockholders Equity for the quarter that ended in Mar. 2025 was $308.3 Mil. Citizens Financial Services's Total Assets for the quarter that ended in Mar. 2025 was $3,016.3 Mil. Therefore, Citizens Financial Services's Equity to Asset Ratio for the quarter that ended in Mar. 2025 was 0.10.

The historical rank and industry rank for Citizens Financial Services's Equity-to-Asset or its related term are showing as below:

CZFS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08   Med: 0.1   Max: 0.11
Current: 0.1

During the past 13 years, the highest Equity to Asset Ratio of Citizens Financial Services was 0.11. The lowest was 0.08. And the median was 0.10.

CZFS's Equity-to-Asset is ranked better than
57.27% of 1589 companies
in the Banks industry
Industry Median: 0.1 vs CZFS: 0.10

Citizens Financial Services Equity-to-Asset Historical Data

The historical data trend for Citizens Financial Services's Equity-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Citizens Financial Services Equity-to-Asset Chart

Citizens Financial Services Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Equity-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 0.10 0.09 0.09 0.10

Citizens Financial Services Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Equity-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.10 0.10 0.10 0.10 0.10

Competitive Comparison of Citizens Financial Services's Equity-to-Asset

For the Banks - Regional subindustry, Citizens Financial Services's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Citizens Financial Services's Equity-to-Asset Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Services's Equity-to-Asset distribution charts can be found below:

* The bar in red indicates where Citizens Financial Services's Equity-to-Asset falls into.


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Citizens Financial Services Equity-to-Asset Calculation

Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.

Citizens Financial Services's Equity to Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as

Equity to Asset (A: Dec. 2024 )=Total Stockholders Equity/Total Assets
=299.734/3025.724
=0.10

Citizens Financial Services's Equity to Asset Ratio for the quarter that ended in Mar. 2025 is calculated as

Equity to Asset (Q: Mar. 2025 )=Total Stockholders Equity/Total Assets
=308.296/3016.338
=0.10

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Citizens Financial Services  (NAS:CZFS) Equity-to-Asset Explanation

Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.

For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.


Citizens Financial Services Equity-to-Asset Related Terms

Thank you for viewing the detailed overview of Citizens Financial Services's Equity-to-Asset provided by GuruFocus.com. Please click on the following links to see related term pages.


Citizens Financial Services Business Description

Traded in Other Exchanges
N/A
Address
15 South Main Street, Mansfield, PA, USA, 16933
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
Executives
Painter John P Ii director 571 HOWLAND HILL ROAD, WESTFIELD PA 16950
Stephen J Guillaume officer: SENIOR VICE PRESIDENT POST OFFICE BOX 43, LIBERTY PA 16930
Leeann Gephart officer: EXECUTIVE VICE PRESIDENT 2260 HEIM HILL ROAD, MONTOURSVILLE PA 17754
Richards David Z Jr director, officer: EXECUTIVE VICE PRESIDENT 209 TWIGS LANE, STATE COLLEGE PA 16801
Randall E Black officer: Senior Vice President POST OFFICE BOX 19, LIBERTY PA 16930
R Joseph Landy director 741 SOUTH MAIN STREET, ATHENS PA 18810
Robert Joseph Marino director 407 33RD STREET S, BRIGANTINE NJ 08203
Rinaldo A Depaola director 50 REEL STREET, SAYRE PA 18840
John D Behm other: Subsidiary Director 2114 BLUE STEM DRIVE, NEW HOPE PA 18938-2311
Thomas E. Freeman director 831 KELLYTOWN ROAD, MANSFIELD PA 16933
Janie M Hilifger director 830 CANADA ROAD, COVINGTON PA 16917
Graham Roger C Jr director 1281 BRAGUE ROAD, CANTON PA 17724
Christopher W Kunes director 3896 PENNS VALLEY ROAD, SPRING MILLS PA 16875
Dwight D Rohrer officer: SENIOR VICE PRESIDENT 2385 JUNCTION ROAD, MANHEIM PA 17545
Marina K Smalanskas officer: SENIOR VICE PRESIDENT 1445 ROCKY WAY, MECHANICSBURG PA 17055