Citizens Financial Services (CZFS) Net Margin (2010 - 2026)
Citizens Financial Services' quarterly Net Margin came in at 34.82% in Q1 2026, up 598.0% year-on-year from 4.99% in Q1 2025, and down 8.61% quarter-over-quarter from 38.1% in Q4 2025.
Citizens Financial Services has reported Net Margin for 17 years, with the latest figure at 34.82% in Q1 2026.
- For the quarter ending Q1 2026, Net Margin rose 598.0% year-over-year to 34.82%; the trailing twelve-month figure through Mar 2026 stood at 34.67% (up 518.0% YoY), and the FY2025 full-year result was 33.26%, up 421.0% from the prior year.
- Net Margin for Q1 2026 stood at 34.82%, down from 38.1% in the prior quarter.
- The five-year high for Net Margin was 38.1% in Q4 2025, with the low at 23.08% in Q2 2023.
- Average Net Margin over 5 years is 29.22%, with a median of 33.9% recorded in 2023.
- Year-over-year, Net Margin slumped 40983 bps in 2022 and jumped 4449 bps in 2024.
- Tracing CZFS's Net Margin over 5 years: stood at 36.28% in 2022, then dropped by 11 bps to 32.22% in 2023, then rose by 15 bps to 37.21% in 2024, then grew by 2 bps to 38.1% in 2025, then decreased by 9 bps to 34.82% in 2026.
- The last three Net Margin figures came in at 34.82% (Q1 2026), 38.1% (Q4 2025), and 34.51% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Bank Of Chile | 90,891.20 Bn | 90,891.20 Bn | - | - |
| 2 | Bank Bradesco | 6,807.69 Bn | 6,791.75 Bn | - | - |
| 3 | Lloyds Banking | 426.28 Bn | 426.28 Bn | - | - |
| 4 | NatWest | 184.56 Bn | 184.56 Bn | - | - |
| 5 | First Capital | 181.18 Bn | 181.03 Bn | - | 251.45% |
| 6 | Landmark Bancorp | 164.67 Bn | 164.64 Bn | - | 26.97% |
| 7 | Deutsche Bank Aktiengesellschaft | 161.63 Bn | -151,939.28 Bn | - | -0.97% |
| 8 | KB Financial | 150.02 Bn | 142.15 Bn | - | - |
| 9 | Pnc Financial Services | 88.79 Bn | 88.84 Bn | - | 27.35% |
| 10 | Citizens Financial Services | 305.16 Mn | 264.95 Mn | - | 34.82% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 34.82% |
| Dec 31, 2025 | 38.10% |
| Sep 30, 2025 | 34.51% |
| Jun 30, 2025 | 30.99% |
| Mar 31, 2025 | 28.84% |
| Dec 31, 2024 | 37.21% |
| Sep 30, 2024 | 30.05% |
| Jun 30, 2024 | 21.41% |
| Mar 31, 2024 | 27.09% |
| Dec 31, 2023 | 32.22% |
| Sep 30, 2023 | 28.96% |
| Jun 30, 2023 | -23.08% |
| Mar 31, 2023 | 33.90% |
| Dec 31, 2022 | 36.28% |
| Sep 30, 2022 | 35.03% |
| Jun 30, 2022 | 34.45% |
| Mar 31, 2022 | 36.06% |
| Dec 31, 2021 | 35.83% |
| Sep 30, 2021 | 36.33% |
| Jun 30, 2021 | 35.14% |
| Mar 31, 2021 | 445.89% |
| Dec 31, 2020 | 399.50% |
| Sep 30, 2020 | 455.46% |
| Jun 30, 2020 | 369.16% |
| Mar 31, 2020 | 262.51% |
| Dec 31, 2019 | 291.67% |
| Sep 30, 2019 | 298.28% |
| Jun 30, 2019 | 281.74% |
| Mar 31, 2019 | 253.89% |
| Dec 31, 2018 | 266.69% |
| Sep 30, 2018 | 280.35% |
| Jun 30, 2018 | 299.55% |
| Mar 31, 2018 | 262.00% |
| Dec 31, 2017 | 229.83% |
| Sep 30, 2017 | 1,951.87% |
| Jun 30, 2017 | 3,042.11% |
| Mar 31, 2017 | 1,729.32% |
| Dec 31, 2016 | 26.72% |
| Sep 30, 2016 | 27.13% |
| Jun 30, 2016 | 27.49% |
| Mar 31, 2016 | 29.59% |
| Dec 31, 2015 | 30.52% |
| Sep 30, 2015 | 30.46% |
| Jun 30, 2015 | 34.14% |
| Mar 31, 2015 | 33.95% |
| Dec 31, 2014 | 37.12% |
| Sep 30, 2014 | 36.39% |
| Jun 30, 2014 | 36.07% |
| Mar 31, 2014 | 34.79% |
| Dec 31, 2013 | 35.19% |
| Sep 30, 2013 | 36.95% |
| Jun 30, 2013 | 36.32% |
| Mar 31, 2013 | 36.53% |
| Dec 31, 2012 | 36.62% |
| Sep 30, 2012 | 37.27% |
| Jun 30, 2012 | 40.01% |
| Mar 31, 2012 | 37.11% |
| Dec 31, 2011 | 38.01% |
| Sep 30, 2011 | 37.88% |
| Jun 30, 2011 | 36.05% |
| Mar 31, 2011 | 33.70% |
| Dec 31, 2010 | 32.48% |
| Sep 30, 2010 | 34.25% |
| Jun 30, 2010 | 35.13% |