Citizens Financial Services (CZFS) EBT Margin (2009 - 2026)
Citizens Financial Services' EBT Margin was 41.54% in Q2 2026, up 3.41 percentage points from 38.14% a year earlier but down 1.08 percentage points from the prior quarter.
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Analysis
Citizens Financial Services (CZFS) EBT Margin (2009 - 2026) Analysis & Trends
On a trailing twelve-month basis, Citizens Financial Services' EBT Margin was 42.75% through Jun 30, 2026, up 5.77 percentage points year-over-year; for FY2025, it was 40.27%, up 7.00 percentage points from FY2024.
- EBT Margin shows a five-year change of -415.68 percentage points (FY2020 to FY2025).
- In earlier years, EBT Margin was 33.27% in FY2024 (+9.78 pp), 23.49% in FY2023 (-19.87 pp), 43.35% in FY2022 (-1.68 pp) and 45.04% in FY2021 (-410.91 pp).
- Quarterly EBT Margin has moved between -26.39% (Q2 2023) and 44.90% (Q4 2022) over five years.
- Compared with a year earlier, EBT Margin has increased for nine straight quarters, with an average year-over-year change of +5.07 percentage points over the last eight quarters.
- The best year-over-year quarter for EBT Margin over five years was Q2 2024 (a gain of 52.32 percentage points); the worst was Q3 2021 (a drop of 511.07 percentage points).
- Per Business Quant data, CZFS's EBT Margin in the three quarters before Q2 2026 was 42.62% (Q1 2026), 44.20% (Q4 2025) and 42.63% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 40.13% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 29.93% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 51.73% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 31.85% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 41.80% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 37.49% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 32.46% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 70.61% |
| 10 | Citizens Financial Services | 415.35 Mn | 272.64 Mn | - | 46.07% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 46.07% |
| Jun 30, 2026 | 28.36% |
| Mar 31, 2026 | 28.89% |
| Dec 31, 2025 | 43.69% |
| Sep 30, 2025 | 42.80% |
| Jun 30, 2025 | 24.56% |
| Mar 31, 2025 | 22.21% |
| Dec 31, 2024 | 37.17% |
| Sep 30, 2024 | 36.88% |
| Jun 30, 2024 | 25.93% |
| Mar 31, 2024 | 32.79% |
| Dec 31, 2023 | 36.63% |
| 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% |
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();