Citizens Financial Services Inc 's ROA from the second quarter of 2026 to the second 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 second quarter of 2026?
Citizens Financial Services Inc achieved a return on average assets (ROA) of 1.33 % in its second 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 second quarter of 2026 are valued at $3 billion

Despite the company's net income deteriorating, Citizens Financial Services Inc was able to improve its ROA compared to the first quarter of 2026.

However, within the Financial sector 440 other companies had a higher return on assets. While Return on assets, overall ranking has advanced in the Jun 30 2026 quarter, so far to 2053, from total ROA ranking in the first quarter of 2026 at 2436.

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Return On Assets	(Jun 30 2026) II. Quarter	(Mar 31 2026) I. Quarter	(Dec 31 2025) IV. Quarter	(Sep 30 2025) III. Quarter	(Jun 30 2025) II. Quarter
Y / Y Total Assets Change	8.1 %	1.24 %	1.33 %	1 %	0.29 %
Y / Y Net Income Change	20.37 %	36.15 %	31.51 %	32.76 %	60.44 %
Net Income (TTM) in million	41	39	37	34	32
Return On Assets (TTM)	1.33 %	1.3 %	1.21 %	1.13 %	1.05 %
CZFS's Total Ranking	# 2053	# 2436	# 2126	# 2145	# 2201
Total Assets (TTM) in million	3,192	3,062	3,065	3,056	2,953
Seq. Total Assets Change	4.26 %	-0.1 %	0.27 %	3.5 %	-2.35 %
Seq. Net Income Change	-1.82 %	-1.02 %	4.78 %	18.22 %	11.05 %

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	# 48
Sector	# 441
Overall	# 2021

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	$ 3,192 million	CZFS's Balance sheet
Citizens Financial Services Inc 's Income	$ 10 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 Jun 30 2026, within Financial Sector	ROA
Farmland Partners Inc	3.63 %
United Fire Group Inc	3.63 %
W P Carey Inc	3.61 %
Sim Acquisition Corp I	3.60 %
Apple Hospitality Reit Inc	3.58 %
Ares Management Corporation	3.55 %
Aldel Financial Ii inc	3.52 %
Root Inc	3.48 %
Alignment Healthcare Inc	3.46 %
Mid america Apartment Communities Inc	3.43 %
Extra Space Storage Inc	3.42 %
Universal Health Realty Income Trust	3.41 %
Markel Group Inc	3.37 %
Franklin Resources Inc	3.37 %
Hagerty Inc	3.33 %
Agriculture & Natural Solutions Acquisition Corp	3.31 %
Skyward Specialty Insurance Group Inc	3.31 %
Global Self Storage Inc	3.30 %
The Howard Hughes Corporation	3.30 %
Gp act Iii Acquisition Corp	3.29 %
Ridgepost Capital Inc	3.28 %
Acadia Realty Trust	3.28 %
Selective Insurance Group Inc	3.26 %
Championsgate Acquisition Corporation	3.26 %
Abacus Global Management Inc	3.21 %
Translational Development Acquisition Corp	3.15 %
Wheeler Real Estate Investment Trust Inc	3.15 %
Everest Group Ltd	3.06 %
Assured Guaranty ltd	3.04 %
Sizzle Acquisition Corp Ii	3.04 %

Date modified: 2026-09-08T01:13:32+00:00

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