Citizens Financial Services Inc 's ROA from the third quarter of 2026 to the third quarter of 2025 and 5 Year Period

Return on Assets, Quarterly Results, Trends, Rankings, Statistics

What is Citizens Financial Services Inc 's ROA in the third quarter of 2026?
Citizens Financial Services Inc achieved a return on average assets (ROA) of 1.35 % in its third quarter of 2026, this is above CZFS's average return on assets of 1.24%.
Citizens Financial Services Inc s assets during the 12 months ending in the third quarter of 2026 are valued at $3 billion

ROA has improved compared to 1.33% in the second quarter of 2026, due to net income growth.

However, within the Financial sector 433 other companies had a higher return on assets. While Return on assets, overall ranking has advanced in the Sep 30 2026 quarter, so far to 2058, from total ROA ranking in the second quarter of 2026 at 2440.

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Return On Assets	(Sep 30 2026) III. Quarter	(Jun 30 2026) II. Quarter	(Mar 31 2026) I. Quarter	(Dec 31 2025) IV. Quarter	(Sep 30 2025) III. Quarter
Y / Y Total Assets Change	11.67 %	8.1 %	1.24 %	1.33 %	1 %
Y / Y Net Income Change	19.15 %	20.37 %	36.15 %	31.51 %	32.76 %
Net Income (TTM) in million	43	41	39	37	34
Return On Assets (TTM)	1.35 %	1.33 %	1.3 %	1.21 %	1.13 %
CZFS's Total Ranking	# 2058	# 2440	# 2135	# 2153	# 2209
Total Assets (TTM) in million	3,413	3,192	3,062	3,065	3,056
Seq. Total Assets Change	6.92 %	4.26 %	-0.1 %	0.27 %	3.5 %
Seq. Net Income Change	17.02 %	-1.82 %	-1.02 %	4.78 %	18.22 %

CZFS's 5 Years Annual ROA >> Back to CZFS Management Effectiveness >> Compare CZFS ROA to its Competitors

Return On Assets Company Ranking
Within:	No.
Industry	# 42
Sector	# 434
Overall	# 2014

Return On Assets Statistics
High	Average	Low
1.6 %	1.24 %	0.61 %
(Dec 31 2012)		(Mar 31 2024)

Financial Statements
Citizens Financial Services Inc 's Assets	$ 3,413 million	CZFS's Balance sheet
Citizens Financial Services Inc 's Income	$ 12 million	Quarterly CZFS's Income Statement
CZFS's Income by Division		See CZFS's Income by Division

Annual Return On Assets	(Dec 31 2025) FY 2025	(Dec 31 2024) FY 2024	(Dec 31 2023) FY 2023	(Dec 31 2022) FY 2022	(Dec 31 2021) FY 2021
Y / Y Total Assets Change	-15 %	2.07 %	26.31 %	17 %	9.98 %
Total Assets in million	2,570	3,024	2,963	2,346	2,005
Y / Y Net Income Change	31.47 %	56.18 %	-38.71 %	-0.2 %	15.99 %
Net Income in million	37	28	18	29	29
Annual Return On Assets	1.42 %	0.92 %	0.6 %	1.24 %	1.45 %

CZFS's 5 Years Annual ROA >> Back to CZFS Management Effectiveness >> Compare CZFS ROA to its Competitors

Comment on CZFS's ROA in the fiscal year ending 2025

In the fiscal year 2025 ROA improved to 1.42 % compared to prior year, due to annual net income growth of 31.47 % to $36.57 million, and due to decline of value in Citizens Financial Services Inc 's assets by -15 % to $2,570.47 million, compared to $2,570.47 a year before.

More Return On Assets Ratios
CZFS's' Return on Assets at Yahoo Finance
Regional Banks Industry Return On Assets Trends and Statistics
Financial Sector Roa Statistics
Roa Trends for overall market
CZFS's Roa Ratio versus Regional Banks Industry, Financial Sector and overall Market
Highest Ranking Return On Assets
Lowest Ranking Return On Assets
Subscribers only: Roa for CZFS's Competitors
Subscribers only: Roa for Citizens Financial Services Inc 's Suppliers
Subscribers only: Return On Assets for CZFS's Customers

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CZFS's Roe	CZFS's Valuation Ratios	CZFS's Financial Strength Ratios	CZFS's Dividend Payout Ratio

Companies with similar Return On Assets at Sep 30 2026, within Financial Sector	ROA
Stag Industrial inc	3.71 %
Extra Space Storage Inc	3.68 %
Old Republic International Corporation	3.61 %
Essential Properties Realty Trust Inc	3.60 %
Amerisafe Inc	3.59 %
W P Carey Inc	3.58 %
Phillips Edison and Company Inc	3.51 %
Crawford and Co	3.40 %
Acadia Realty Trust	3.40 %
Aldel Financial Ii inc	3.37 %
Upstart Holdings Inc	3.31 %
Selective Insurance Group Inc	3.31 %
Mid america Apartment Communities Inc	3.27 %
Cto Realty Growth Inc	3.26 %
Lxp Industrial Trust	3.19 %
American Financial Group Inc	3.05 %
Everest Group Ltd	3.03 %
Atlanticus Holdings Corp	2.95 %
Cedar Realty Trust Inc	2.84 %
Axis Capital Holdings Limited	2.83 %
Donegal Group Inc	2.83 %
Hagerty Inc	2.81 %
Weyerhaeuser Company	2.75 %
Postal Realty Trust Inc	2.74 %
Synchrony Financial	2.71 %
Markel Group Inc	2.60 %
Broadstone Net Lease Inc	2.53 %
Intercontinental Exchange Inc	2.52 %
Blue Owl Capital Inc	2.52 %
Welltower Inc	2.51 %

Date modified: 2026-11-08T19:18:23+00:00

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