Citizens Financial Services Inc's ROI from its second quarter of 2026 to the second quarter of 2025 and 5 Year Period

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

What is Citizens Financial Services Inc's ROI in the second quarter of 2026?
Citizens Financial Services Inc achieved a return on average invested assets (ROI) of 1.67 % in its second quarter of 2026, which is below Citizens Financial Services Inc's average return on investment, which stands at 6.28%.

ROI decreased relative to the period ending Mar 31 2026, due to the decline in net income.

Within the Financial sector 392 other companies had a higher return on investment. While return on investment, the total ranking has deteriorated compared to the first quarter of 2026 from 1414 to 1875.

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Return On Investment	(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 Investment Change TTM	33.92 %	-23.94 %	-37.92 %	-37.79 %	-37.62 %
Y / Y Net Income Change TTM	29.95 %	38.46 %	75.98 %	165.87 %	498.88 %
Investment (TTM) in Millions	3,192	577	3,042	3,048	667
Return On Investment (TTM)	1.67 %	2.14 %	1.98 %	1.84 %	1.72 %
CZFS's Overall Ranking	# 1875	# 1414	# 1934	#	#
Seq. Investment Change TTM	34.42 %	-0.89 %	0.22 %	0.3 %	-23.65 %
Seq. Net Income Change TTM	4.38 %	7.53 %	7.38 %	7.82 %	11.22 %
Net Income (TTM) in Millions	41	39	37	34	32

CZFS Company Profile >> Back to CZFS Roi Comparisons >> See Annual CZFS Return On Investment

Return On Investment CZFS's Ranking
Within:	No.
Industry	# 109
Sector	# 393
Overall	# 1875

Return On Investment Statistics
High	Average	Low
12.4 %	6.28 %	0.61 %
(Mar 31 2014)		(Mar 31 2024)

Financial Statements
Citizens Financial Services Inc's II. Quarter Investments	$ 3,192 Millions	CZFS's Balance sheet
Citizens Financial Services Inc's II. Quarter Income	$ 10 Millions	Quarterly CZFS's Income Statement
CZFS's Income by Division		See CZFS's Income by Division

CZFS Annual Return On Investment	(Dec 31 2025) 2025	(Dec 31 2024) 2024	(Dec 31 2023) 2023	(Dec 31 2022) 2022	(Dec 31 2021) 2021
Total Investments in Millions	657	3,026	2,975	2,333	2,144
Y / Y Investment Growth	-78.3 %	1.69 %	27.51 %	8.84 %	610.36 %
Net Income in Millions	37	28	18	29	29
Y / Y Net Income Growth	31.47 %	56.18 %	-38.71 %	-0.2 %	15.99 %
Annual Return On Investment	5.57 %	0.92 %	0.6 %	1.25 %	1.36 %

Annual Roi Comment

In the fiscal year 2025 ROI improved to 5.57 % compared to the prior year, due to net income growth.

Definition and Formula of Return on Investment

Other ROI Ratios
Regional Banks Industry Roi Trends and Statistics
Financial Sector Return On Investment Statistics
Roi Trends for overall market
CZFS's Roi Ratio versus Regional Banks Industry, Financial Sector and total Market
Highest Ranking Return On Investment
Lowest Ranking Return On Investment
Subscribers only: Roi for CZFS's Competitors
Subscribers only: Roi for Citizens Financial Services Inc's Suppliers
Subscribers only: Return On Investment for CZFS's Customers

Other Ratios
CZFS's Roa	CZFS's Inventory Turnover Ratio	CZFS's Growth Rates	CZFS's Dividend Statistics
	CZFS's Profitability Ratios	CZFS's Asset Turnover Ratio	CZFS's Dividend Growth
CZFS's Roe	CZFS's Valuation Ratios	CZFS's Financial Strength Ratios	CZFS's Dividend Payout Ratio

Companies with similar Return On Investment at Jun 30 2026, within Financial Sector	ROI
Avalonbay Communities inc	4.57 %
Trupanion Inc	4.56 %
German American Bancorp Inc	4.56 %
Oppenheimer Holdings Inc	4.55 %
Optimumbank Holdings Inc	4.54 %
Community Ban corp	4.54 %
Lakeland Financial Corporation	4.52 %
Community Trust Bancorp Inc	4.50 %
Cullen	4.50 %
Upstart Holdings Inc	4.46 %
First Community Bankshares Inc	4.46 %
Perella Weinberg Partners	4.46 %
Virginia National Bankshares Corp	4.43 %
Corecivic Inc	4.37 %
Axos Financial Inc	4.35 %
First Capital inc	4.33 %
Blackrock Inc	4.33 %
Wilson Bank Holding Co	4.32 %
Timberland Bancorp Inc	4.31 %
Old Republic International Corporation	4.31 %
Selective Insurance Group Inc	4.30 %
Alignment Healthcare Inc	4.29 %
Sunrise Realty Trust Inc	4.29 %
Unum Group	4.27 %
Skyward Specialty Insurance Group Inc	4.24 %
Safety Insurance Group Inc	4.23 %
Equinix Inc	4.23 %
Orrstown Financial Services Inc	4.22 %
Capital Bancorp Inc	4.20 %
Metrocity Bankshares inc	4.17 %

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

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