Citizens Financial Services Inc 's ROE per quarter

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

What is ROE for Citizens Financial Services Inc in the second quarter 2026?
Citizens Financial Services Inc achieved a return on average equity (ROE) of 12.05 % in its second quarter 2026, which is below Citizens Financial Services Inc 's average return on equity, which stands at 12.37%.

While the company's net income was fading, Citizens Financial Services Inc was able to improve its ROE compared to the first quarter 2026.

Within the Regional Banks industry 55 other companies had a higher return on equity. While return on equity, the total ranking has deteriorated compared to the first quarter 2026 from 859 to 1212.

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Return On Equity	(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 Equity Change	12.49 %	11.44 %	12.78 %	9.72 %	-
Y / Y Net Income Change	20.37 %	36.15 %	31.51 %	32.76 %	60.44 %
Net Income (TTM) in Millions	41	39	37	34	32
Return On Equity (TTM)	12.05 %	11.89 %	11.36 %	10.9 %	10.35 %
CZFS's Total Ranking	# 1212	# 859	# 1038	#	#
Equity (TTM) in Millions	353	344	338	328	314
Seq. Equity Change	2.69 %	1.63 %	3.16 %	4.47 %	1.74 %
Seq. Net Income Change	-1.82 %	-1.02 %	4.78 %	18.22 %	11.05 %

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

Return On Equity Company Ranking
Within:	No.
Industry	# 56
Sector	# 302
Overall	# 1212

Return On Equity Statistics
High	Average	Low
17.01 %	12.37 %	6.6 %
(Jun 30 2012)		(Mar 31 2024)

CZFS Annual Return On Equity	(Dec 31 2025) 2025	(Dec 31 2024) 2024	(Dec 31 2023) 2023	(Dec 31 2022) 2022	(Dec 31 2021) 2021
Total Equity in Millions	338	300	280	200	212
Y / Y Equity Change	12.78 %	7.18 %	39.73 %	-5.81 %	9.39 %
Net Income in Millions	37	28	18	29	29
Y / Y Net Income Change	31.47 %	56.18 %	-38.71 %	-0.2 %	15.99 %
Return On Equity	10.82 %	9.28 %	6.37 %	14.52 %	13.7 %

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

Annual Roe Comment

In 2025 ROE improved to 10.82 % compared to the previous year, due to net income growth.

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

Companies with similar Return On Equity at Jun 30 2026, within Financial Sector	ROE
Jefferson Capital Inc	32.94 %
Primerica Inc	32.52 %
Brookfield Oaktree Holdings Llc	32.37 %
Credit Acceptance Corp	32.35 %
The Bancorp Inc	32.32 %
Hamilton Insurance Group Ltd	31.21 %
Corvel Corporation	31.01 %
American Coastal Insurance Corporation	30.43 %
Nexpoint Real Estate Finance Inc	29.99 %
Encore Capital Group Inc	29.83 %
Kingstone Companies Inc	29.78 %
Sei Investments Company	29.54 %
Rreef Property Trust Inc	29.17 %
Kinsale Capital Group Inc	29.06 %
STEELE BANCORP INC	28.69 %
Cohen and Steers Inc	27.58 %
Hippo Holdings Inc	27.38 %
Union Bankshares Inc	27.34 %
Carter bankshares inc	27.32 %
Marsh and Mclennan Companies Inc	26.71 %
Arrow Financial Corporation	26.69 %
American Integrity Insurance Group Inc	25.95 %
Enova International Inc	25.76 %
Affiliated Managers Group inc	25.74 %
Cboe Global Markets Inc	25.66 %
Travelers Companies inc	25.58 %
Alliancebernstein Holding L p	25.40 %
Marketaxess Holdings Inc	24.80 %
Invesco Db Energy Fund	24.54 %
Erie Indemnity Company	24.52 %

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

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