Citizens Financial Services (CZFS) Return on Assets [ROA] (2011 - 2026)
Citizens Financial Services (CZFS) recorded Return on Assets [ROA] of 1.32% in Q2 2026, up 0.26 percentage points from 1.06% a year earlier and up 0.03 percentage points from the prior quarter.
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Analysis
Citizens Financial Services (CZFS) Return on Assets [ROA] (2011 - 2026) Analysis & Trends
For FY2025, Citizens Financial Services reported Return on Assets [ROA] of 1.20%, up 0.27 percentage points from FY2024.
- Annual Return on Assets [ROA] has a five-year change of -0.29 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Assets [ROA] came in at 0.93% in FY2024 (+0.26 pp), 0.67% in FY2023 (-0.63 pp), 1.30% in FY2022 (-0.14 pp) and 1.44% in FY2021 (-0.05 pp).
- The Q2 2026 figure is the highest quarterly Return on Assets [ROA] since Q4 2021.
- On a year-over-year basis, Return on Assets [ROA] has increased for nine consecutive quarters, with an average year-over-year change of +0.27 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Assets [ROA] in the last five years was a gain of 0.35 percentage points in Q1 2026, against a drop of 0.64 percentage points in Q1 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at 1.29% (Q1 2026), 1.19% (Q4 2025) and 1.13% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 881.30 Bn | 881.30 Bn | - | 1.31% |
| 2 | Bank Of America | 354.90 Bn | -2,021.17 Bn | - | 0.96% |
| 3 | Hsbc Holdings | 311.39 Bn | -1,517.77 Bn | - | 0.77% |
| 4 | Morgan Stanley | 282.15 Bn | -226.95 Bn | - | 1.25% |
| 5 | Royal Bank Of Canada | 281.68 Bn | -548.32 Bn | - | 0.93% |
| 6 | Goldman Sachs | 255.22 Bn | -3,301.89 Bn | - | 1.00% |
| 7 | Mitsubishi Ufj Financial | 249.82 Bn | -82.42 Bn | 10.89 Bn | 0.52% |
| 8 | Wells Fargo & Company | 249.49 Bn | 251.62 Bn | - | 1.02% |
| 9 | Toronto Dominion Bank | 210.53 Bn | -465.35 Bn | - | 0.77% |
| 10 | Citizens Financial Services | 406.77 Mn | 268.87 Mn | - | 1.32% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.32% |
| Mar 31, 2026 | 1.29% |
| Dec 31, 2025 | 1.19% |
| Sep 30, 2025 | 1.13% |
| Jun 30, 2025 | 1.06% |
| Mar 31, 2025 | 0.94% |
| Dec 31, 2024 | 0.92% |
| Sep 30, 2024 | 0.92% |
| Jun 30, 2024 | 0.93% |
| Mar 31, 2024 | 0.61% |
| Dec 31, 2023 | 0.60% |
| Sep 30, 2023 | 0.62% |
| Jun 30, 2023 | 0.69% |
| Mar 31, 2023 | 1.25% |
| Dec 31, 2022 | 1.24% |
| Sep 30, 2022 | 1.23% |
| Jun 30, 2022 | 1.26% |
| Mar 31, 2022 | 1.27% |
| Dec 31, 2021 | 1.39% |
| Sep 30, 2021 | 1.45% |
API Access
Citizens Financial Services Return on Assets [ROA] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-assets-%5Broa%5D&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "ticker": "CZFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-assets-%5Broa%5D&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();