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Return on assets at other companies

M&T Bank logo
M&T BankMTB
1.4%+0.1pp
Fulton Financial logo
Fulton FinancialFULT
1.2%+0.2pp
Citizens & Northern logo
Citizens & NorthernCZNC
0.6%-0.4pp
CTB
Community Trust BancorpCTBI
1.6%+0.2pp
Civista Bancshares logo
Civista BancsharesCIVB
1.2%+0.3pp
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
1%+0.2pp

Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

Calculated from Citizens Financial Services, Inc.’s reported figures.

Based on trailing twelve months.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s return on assets?
Citizens Financial Services, Inc. (CZFS) reported return on assets of 1.3% in Q1 2026.
How has Citizens Financial Services, Inc.'s return on assets changed year-over-year?
Citizens Financial Services, Inc.'s return on assets increased by 36.0% year-over-year, from 1% to 1.3%.
What is the long-term trend for Citizens Financial Services, Inc.'s return on assets?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s return on assets has grown at a -4.3% compound annual growth rate (CAGR), from 1.5% to 1.2%.
What does return on assets mean?
Trailing-twelve-month net income divided by average total assets. Measures how efficiently the asset base generates profit, independent of how those assets are financed. Computed as net income over average total assets — note this is OpenCapital's standard definition and may differ from data vendors that use alternative numerators.