Citizens Financial Services (CZFS) EBT Margin (2010 - 2026)
Citizens Financial Services (CZFS) posted EBT Margin of 41.54% for Q2 2026, down 2.53% on a QoQ basis from 42.62% in Q1 2026, and up 341.0% year-over-year from 9.42% in Q2 2025.
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Analysis
Citizens Financial Services (CZFS) EBT Margin (2010 - 2026) Analysis & Trends
Citizens Financial Services has reported EBT Margin for 17 years, with the latest figure at 41.54% in Q2 2026.
- On a quarterly basis, EBT Margin rose 341.0% year-over-year to 41.54% in Q2 2026; TTM through Jun 2026 was 42.75%, a 577.0% increase from a year earlier, with the FY2025 full-year figure at 40.27%, up 700.0% from the prior year.
- EBT Margin was 41.54% for Q2 2026 at Citizens Financial Services, down from 42.62% in the prior quarter.
- The five-year high for EBT Margin was 44.9% in Q4 2022, with the low at 26.39% in Q2 2023.
- Average EBT Margin over 5 years is 35.62%, with a median of 40.61% recorded in 2026.
- The sharpest annual moves came in 2022 and 2024: EBT Margin tumbled 48710 bps in 2022, then jumped 5232 bps in 2024.
- Over 5 years, EBT Margin stood at 44.9% in 2022, then slipped by 12 bps to 39.68% in 2023, then fell by 6 bps to 37.17% in 2024, then rose by 19 bps to 44.2% in 2025, then fell by 6 bps to 41.54% in 2026.
- The last three EBT Margin figures came in at 41.54% (Q2 2026), 42.62% (Q1 2026), and 44.2% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 34.47% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 31.64% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 41.98% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 31.58% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 33.07% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 37.65% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 33.08% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 1,204.05% |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | 41.54% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 41.54% |
| Mar 31, 2026 | 42.62% |
| Dec 31, 2025 | 44.20% |
| Sep 30, 2025 | 42.63% |
| Jun 30, 2025 | 38.14% |
| Mar 31, 2025 | 35.67% |
| Dec 31, 2024 | 37.17% |
| Sep 30, 2024 | 36.88% |
| Jun 30, 2024 | 25.93% |
| Mar 31, 2024 | 32.79% |
| Dec 31, 2023 | 39.68% |
| Sep 30, 2023 | 35.09% |
| Jun 30, 2023 | -26.39% |
| Mar 31, 2023 | 41.85% |
| Dec 31, 2022 | 44.90% |
| Sep 30, 2022 | 42.71% |
| Jun 30, 2022 | 41.85% |
| Mar 31, 2022 | 43.93% |
| Dec 31, 2021 | 43.85% |
| Sep 30, 2021 | 44.45% |
API Access
Citizens Financial Services EBT Margin 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=ebt-margin&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "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=ebt-margin&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();