Citizens Financial Services (CZFS) Net Margin (2010 - 2026)
Citizens Financial Services (CZFS) posted Net Margin of 34.29% for Q2 2026, down 1.51% on a QoQ basis from 34.82% in Q1 2026, and up 331.0% year-over-year from 7.96% in Q2 2025.
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Analysis
Citizens Financial Services (CZFS) Net Margin (2010 - 2026) Analysis & Trends
Citizens Financial Services has reported Net Margin for 17 years, with the latest figure at 34.29% in Q2 2026.
- On a quarterly basis, Net Margin rose 331.0% year-over-year to 34.29% in Q2 2026; TTM through Jun 2026 was 34.05%, a 496.0% increase from a year earlier, with the FY2025 full-year figure at 30.98%, up 554.0% from the prior year.
- Net Margin was 34.29% for Q2 2026 at Citizens Financial Services, down from 34.82% in the prior quarter.
- The five-year high for Net Margin was 36.06% in Q1 2022, with the low at 20.51% in Q2 2023.
- Average Net Margin over 5 years is 28.31%, with a median of 31.37% recorded in 2025.
- The sharpest annual moves came in 2022 and 2024: Net Margin sank 40983 bps in 2022, then soared 4193 bps in 2024.
- Over 5 years, Net Margin stood at 31.75% in 2022, then fell by 9 bps to 28.95% in 2023, then fell by 9 bps to 26.45% in 2024, then rose by 23 bps to 32.59% in 2025, then climbed by 5 bps to 34.29% in 2026.
- The last three Net Margin figures came in at 34.29% (Q2 2026), 34.82% (Q1 2026), and 32.59% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 23.30% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 24.18% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 24.27% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 28.79% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 24.18% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 864.86% |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | 34.29% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 34.29% |
| Mar 31, 2026 | 34.82% |
| Dec 31, 2025 | 32.59% |
| Sep 30, 2025 | 34.51% |
| Jun 30, 2025 | 30.99% |
| Mar 31, 2025 | 28.84% |
| Dec 31, 2024 | 26.45% |
| Sep 30, 2024 | 30.05% |
| Jun 30, 2024 | 21.41% |
| Mar 31, 2024 | 27.09% |
| Dec 31, 2023 | 28.95% |
| Sep 30, 2023 | 28.96% |
| Jun 30, 2023 | -20.51% |
| Mar 31, 2023 | 33.90% |
| Dec 31, 2022 | 31.75% |
| 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% |
API Access
Citizens Financial Services Net 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=net-margin&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();