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Citizens Financial ServicesCZFS -0.21%66 Return-on-Tangible-Asset is 1.35% as of Jun. 2026, which is 5% above its 10-year median of 1.28. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,522 Banks companies, Citizens Financial Services ranks better than 71.02% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Citizens Financial Services's annualizedNet Income for the quarter that ended in Jun. 2026 was $40.7 Mil. Citizens Financial Services's average total tangible assets for the quarter that ended in Jun. 2026 was $3,021.5 Mil. Therefore, Citizens Financial Services's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.35%.
The historical rank and industry rank for Citizens Financial Services's Return-on-Tangible-Asset or its related term are showing as below:
CZFS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.69 Med: 1.28 Max: 1.52
Current: 1.38
During the past 13 years, Citizens Financial Services's highest Return-on-Tangible-Asset was 1.52%. The lowest was 0.69%. And the median was 1.28%.
CZFS's Return-on-Tangible-Asset is ranked better than 71.02% of 1522
companies
in the Banks industry
Industry Median: 1.03
vs CZFS: 1.38
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Citizens Financial Services Return-on-Tangible-Asset Related Terms
Citizens Financial Services Return-on-Tangible-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CZFS vs NWFL, WSBF, AVBH: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Citizens Financial Services's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Services Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.35% mean?
Citizens Financial Services (CZFS) has a Return-on-Tangible-Asset of 1.35% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Financial Services and its competitors. This is near median its historical median of 1.28. Over the past decade, Citizens Financial Services' Return-on-Tangible-Asset has ranged from 0.69 to 1.52. According to the industry distribution chart, Citizens Financial Services ranks #441 out of 1522 companies in the Banks industry, placing it in the top 29%.
Is Citizens Financial Services' Return-on-Tangible-Asset too high?
Citizens Financial Services' current Return-on-Tangible-Asset of 1.35% is near median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1.52. The Banks industry median Return-on-Tangible-Asset is 1.03. Citizens Financial Services' value of 1.35% is 31.1% above this industry median. Based on the distribution chart, Citizens Financial Services ranks #441 out of 1522 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Return-on-Tangible-Asset compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #441 out of 1522 companies for Return-on-Tangible-Asset. This puts Citizens Financial Services in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Citizens Financial Services' value of 1.35% is 31.1% above this benchmark. Historically, Citizens Financial Services' own Return-on-Tangible-Asset has ranged from 0.69 to 1.52 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 1.03, Citizens Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Return-on-Tangible-Asset of 1.35% is 31.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Return-on-Tangible-Asset is 1.35%, which is near median its own 10-year median of 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Return-on-Tangible-Asset is 1.35%, which is near median its 10-year median of 1.28 and 31.1% above the Banks industry median of 1.03. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Return-on-Tangible-Asset is 1.35% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Services (CZFS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued.
The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15.
GuruFocus considers Citizens Financial Services to be Modestly Overvalued.
Key valuation signals for CZFS:
Return-on-Tangible-Asset: 1.35% (near median its 10-year median of 1.28)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 31.1% above the Banks median (#441 of 1522)
No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score
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