Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 11.63% is in line with its 5-year average of 11.02%, around the middle of its 5-year range (6.36%–14.84%).
As of the fiscal period ended Tuesday, June 30, 2026. 6.99% above its 12-month average of 10.87%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 11.63%.
RETURN ON EQUITY (ROE)
11.63%
RETURN ON EQUITY (ROE) AVG TTM
10.87%
RETURN ON EQUITY (ROE) AVG 3Y
9.09%
RETURN ON EQUITY (ROE) AVG 5Y
11.02%
RETURN ON EQUITY (ROE) AVG 10Y
11.17%
RETURN ON EQUITY (ROE) AVG 15Y
12.21%
RETURN ON EQUITY (ROE) AVG 20Y
12.62%
CURRENT VS TTM AVG
+6.99%
CURRENT VS 3Y AVG
+28.05%
CURRENT VS 5Y AVG
+5.62%
CURRENT VS 10Y AVG
+4.15%
CURRENT VS 15Y AVG
-4.72%
CURRENT VS 20Y AVG
-7.78%
SECTOR MEDIAN · FINANCIAL SERVICES
8.76%
median of 677 covered companies
CURRENT VS SECTOR MEDIAN
+32.82%
vs the sector median at left
Citizens Financial Services, Inc.
Market Cap
$382.71M
Return on Equity (ROE)
11.63%
TTM Avg
10.87%
3Y Avg
9.09%
5Y Avg
11.02%
Market Cap
$383.44M
Return on Equity (ROE)
11.26%
TTM Avg
7.32%
3Y Avg
7.80%
5Y Avg
10.17%
Market Cap
$381.91M
Return on Equity (ROE)
4.79%
TTM Avg
-7.88%
3Y Avg
-18.62%
5Y Avg
-12.71%
Market Cap
$380.56M
Return on Equity (ROE)
12.91%
TTM Avg
11.43%
3Y Avg
13.01%
5Y Avg
13.15%
Market Cap
$384.88M
Return on Equity (ROE)
18.16%
TTM Avg
20.40%
3Y Avg
20.83%
5Y Avg
24.66%
Market Cap
$385.12M
Return on Equity (ROE)
12.24%
TTM Avg
4.96%
3Y Avg
2.87%
5Y Avg
4.15%
Market Cap
$388.20M
Return on Equity (ROE)
13.23%
TTM Avg
10.41%
3Y Avg
11.63%
5Y Avg
13.04%
Market Cap
$388.48M
Return on Equity (ROE)
17.33%
TTM Avg
-33.59%
3Y Avg
-33.59%
5Y Avg
-103.10%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens Financial Services, Inc. (CZFS) | $382.71M | 11.63% | 10.87% | 9.09% | 11.02% |
| MVB Financial Corp. (MVBF)vs › | $383.44M | 11.26% | 7.32% | 7.80% | 10.17% |
| Oportun Financial Corporation (OPRT)vs › | $381.91M | 4.79% | -7.88% | -18.62% | -12.71% |
| The First Bancorp, Inc. (FNLC)vs › | $380.56M | 12.91% | 11.43% | 13.01% | 13.15% |
| Value Line, Inc. (VALU)vs › | $384.88M | 18.16% | 20.40% | 20.83% | 24.66% |
| Primis Financial Corp (FRST)vs › | $385.12M | 12.24% | 4.96% | 2.87% | 4.15% |
| Silvia, Inc. (SVIA)vs › | $378.60M | N/A | N/A | N/A | N/A |
| Parke Bancorp, Inc. (PKBK)vs › | $388.20M | 13.23% | 10.41% | 11.63% | 13.04% |
| Centurion Acquisition Corp. (ALF)vs › | $388.48M | 17.33% | -33.59% | -33.59% | -103.10% |
| Siddhi Acquisition Corp (SDHI)vs › | $374.60M | 3.70% | 0.12% | 0.12% | -4.09% |
ROE
11.6%
ROA
1.3%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 11.63% |
| 2026-03-31 | 11.45% |
| 2025-12-31 | 10.82% |
| 2025-09-30 | 10.40% |
| 2025-06-30 | 10.08% |
| 2025-03-31 | 9.22% |
| 2024-12-31 | 9.28% |
| 2024-09-30 | 9.17% |
| 2024-06-30 | 9.56% |
| 2024-03-31 | 6.36% |
| 2023-12-31 | 6.37% |
| 2023-09-30 | 6.91% |
| 2023-06-30 | 6.89% |
| 2023-03-31 | 13.69% |
| 2022-12-31 | 14.52% |
| 2022-09-30 | 14.69% |
| 2022-06-30 | 14.18% |
| 2022-03-31 | 13.51% |
| 2021-12-31 | 13.70% |
| 2021-09-30 | 14.07% |
| 2021-06-30 | 14.84% |
| 2021-03-31 | 14.60% |
| 2020-12-31 | 12.92% |
| 2020-09-30 | 12.12% |
| 2019-06-30 | 12.39% |
| 2019-03-31 | 12.74% |
| 2018-12-31 | 12.95% |
| 2018-09-30 | 12.00% |
| 2018-06-30 | 11.48% |
| 2018-03-31 | 10.76% |
| 2017-12-31 | 10.10% |
| 2017-09-30 | 10.46% |
| 2017-06-30 | 10.25% |
| 2017-03-31 | 10.13% |
| 2016-12-31 | 10.25% |
| 2016-09-30 | 9.50% |
| 2016-06-30 | 9.35% |
| 2016-03-31 | 9.67% |
| 2015-12-31 | 9.71% |
| 2015-09-30 | 12.17% |
| 2015-06-30 | 12.74% |
| 2015-03-31 | 13.03% |
| 2014-12-31 | 13.31% |
| 2014-09-30 | 13.32% |
| 2014-06-30 | 13.59% |
| 2014-03-31 | 13.88% |
| 2013-12-31 | 14.53% |
| 2013-09-30 | 15.08% |
| 2013-06-30 | 15.28% |
| 2013-03-31 | 15.48% |
| 2012-12-31 | 15.89% |
| 2012-09-30 | 15.72% |
| 2012-06-30 | 16.24% |
| 2012-03-31 | 16.06% |
| 2011-12-31 | 15.75% |
| 2011-09-30 | 15.58% |
| 2011-06-30 | 15.68% |
| 2011-03-31 | 16.31% |
| 2009-12-31 | 16.03% |
| 2009-09-30 | 17.50% |
| 2009-06-30 | 12.82% |
| 2009-03-31 | 13.28% |
| 2008-12-31 | 13.09% |
| 2008-09-30 | 11.07% |
| 2008-06-30 | 15.94% |
| 2008-03-31 | 14.58% |
| 2007-12-31 | 13.88% |
| 2007-09-30 | 13.74% |
| 2007-06-30 | 13.93% |
| 2007-03-31 | 13.30% |
| 2006-12-31 | 13.33% |
| 2006-09-30 | 13.05% |
| 2006-06-30 | 13.14% |
| 2006-03-31 | 12.80% |
| 2005-12-31 | 12.69% |
| 2005-09-30 | 11.54% |
| 2005-06-30 | 11.86% |
| 2005-03-31 | 12.48% |
| 2004-12-31 | 12.92% |
| 2004-09-30 | 14.12% |
| 2004-06-30 | 13.23% |
| 2004-03-31 | 12.67% |
| 2003-12-31 | 12.67% |
| 2003-09-30 | 12.99% |
| 2003-06-30 | 14.11% |
