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.

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	34%+6.2pp	32.6%+5.2pp	31.3%+4.2pp	30.1%+3.2pp	27.8%+9.3pp
Returns
Return on equity	12.1%+2.4pp	11.5%+1.9pp	10.9%+1.1pp	10.5%+0.6pp	9.6%+2.4pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.6×-0.4×	1.8×-0.1×	0.9×+0.1×	1×-0.2×	1×0.0×
Per Share
Book value per share	$71.59+11.4%	$70.43+12.8%	$68.29+9.7%	$65.34+9.5%	$64.24+7.9%
Valuation
Market capitalization	$341.1M+26.0%	$274.06M-9.1%	$289.78M+3.9%	$278.68M+31.9%	$276.29M+19.4%
Price / earnings	8.7×-0.9×	7.5×-3.3×	8.5×-1.7×	8.8×+1.1×	9.7×-3.2×
Price / sales	3×+0.3×	2.4×-0.5×	2.7×-0.1×	2.7×+0.6×	2.7×+0.3×
Price / book	1×+0.1×	0.8×-0.2×	0.9×0.0×	0.9×+0.2×	0.9×+0.1×
Dividend yield	2.8%-0.6pp	3.5%+0.4pp	3.3%-0.1pp	3.4%-1.0pp	3.4%-0.5pp

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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.