Missing return Statement of multiple IFs

Where is the problem? If I use a variable it works just fine, but I am missing something.

public boolean xyzThere(String str) {
  if (str.length() > 2){
    if(str.startsWith("xyz")){
        return true;
    } else {
        for (int i = 1; i < str.length() - 2; i++){
            if(str.substring(i, i + 3).equals("xyz") && !str.substring(i - 1, i).equals(".")) {
                return true;
            } else {
                return false;
            }
        }
    }
  } else  if(str.length() < 3){
  return false;
  }
}