Where do Citizens Financial Services, Inc.'s ratios come from?

Every ratio is computed from Citizens Financial Services, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	34%+1.4pp	32.6%+1.3pp	31.3%+1.2pp	30.1%+2.3pp	27.8%+0.4pp
Returns
Return on equity	12.1%+0.6pp	11.5%+0.6pp	10.9%+0.3pp	10.5%+0.9pp	9.6%0.0pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.6×-1.2×	1.8×+0.9×	0.9×-0.1×	1×0.0×	1×-1.0×
Per Share
Book value per share	$71.59+1.7%	$70.43+3.1%	$68.29+4.5%	$65.34+1.7%	$64.24+2.9%
Valuation
Market capitalization	$341.1M+26.0%	$274.06M-5.4%	$289.78M+4.0%	$278.68M+0.9%	$276.29M-8.3%
Price / earnings	8.7×-0.9×	7.5×-1.0×	8.5×-0.3×	8.8×-0.9×	9.7×-1.1×
Price / sales	3×+0.3×	2.4×-0.2×	2.7×0.0×	2.7×0.0×	2.7×-0.3×
Price / book	1×+0.1×	0.8×-0.1×	0.9×0.0×	0.9×0.0×	0.9×-0.1×
Dividend yield	2.8%-0.6pp	3.5%+0.2pp	3.3%-0.1pp	3.4%0.0pp	3.4%+0.3pp

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Where do Citizens Financial Services, Inc.'s ratios come from?: Every ratio is computed from Citizens Financial Services, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.