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3.5%Gross Profits to Assets
VS
Market
23
Sector
34
Industry
52
History
40
$ 56.18Close
$ 52.42 - $ 73.4 52-Week Range
Ticker Information

Ticker

CZFS

Company Name

CITIZENS FINANCIAL SERVICES INC

Sector

Financial Services

Industry

Banks - Regional

Exchange

NASDAQ

CITIZENS FINANCIAL SERVICES INC - Gross Profits to Assets Chart Analysis (TTM)

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CZFS - GPA Historical data
DateTotal AssetsGross ProfitGross Profits to Assets
6/30/2025$ 2.97B$ 103.86M3.5%
3/31/2025$ 3.02B$ 99.93M3.31%
12/31/2024$ 3.03B$ 99.27M3.28%
9/30/2024$ 3.03B$ 98.2M3.24%
6/30/2024$ 2.95B$ 98.51M3.34%
3/31/2024$ 2.92B$ 91.23M3.12%
12/31/2023$ 2.98B$ 86.34M2.9%
9/30/2023$ 2.96B$ 82.54M2.79%
6/30/2023$ 2.89B$ 77.77M2.69%
3/31/2023$ 2.34B$ 82M3.51%
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Key Performance Insights, Last 5 Years

  • CITIZENS FINANCIAL SERVICES INC's latest trailing twelve months (TTM) GPA stands at 3.55%.
  • Over the past 5 years, CITIZENS FINANCIAL SERVICES INC's average GPA has been 3.39%.
  • The median GPA for CITIZENS FINANCIAL SERVICES INC during this period was 3.45%
  • CITIZENS FINANCIAL SERVICES INC reached its highest GPA over the past 5 years at 3.87%.
  • The lowest GPA recorded by CITIZENS FINANCIAL SERVICES INC in the same timeframe 2.69%

CITIZENS FINANCIAL SERVICES INC's GPA vs. competitors

We picked the following companies as peers based on multiple factors, including sector, industry, market capitalization and revenue

GPA Benchmarks
CompanyGPA
NECB : NORTHEAST COMMUNITY BANCORP INC 5.23%CZNC : CITIZENS & NORTHERN CORP 4.15%PCB : PCB BANCORP 3.09%LNKB : LINKBANCORP INC 4.23%CBAN : COLONY BANKCORP INC 3.8%BCML : BAYCOM CORP 3.68%OBT : ORANGE COUNTY BANCORP INC 4.05%RBB : RBB BANCORP 2.56%PLBC : PLUMAS BANCORP 5.16%FNLC : FIRST BANCORP INC 2.67%

Definition of Gross Profits to Assets

[Calculation] Gross Profits to Assets (GPA) measures how effective a company leverages its assets to generate gross profits. It is calculated as gross profits [GP] divided by [Assets].
GP / Assets
(=) GPA
GPA for CITIZENS FINANCIAL SERVICES INC is calculated as follows: GP [ $ 66.02M ] / Assets [ $ 1.86B ]
(=) GPA [ 3.55% ]

CZFS - Gross Profits to Assets, Last 5 years

2.69%

Minimum

Jun 30, 2023

3.87%

Maximum

Jun 30, 2021

3.39%

Average

3.45%

Median

GPA Benchmark Analysis

The chart above depicts the distribution of GPA for companies in the Total Stock Market. The average GPA of the companies is 20.16% with a standard deviation of 19.94%.
The following table provides additional summary stats:
GPA in the Market:
filtered constituents4.13K
min-50.32%
max84.08%
average20.16%
median15.34%
std19.94%