Citizens Financial Services (CZFS) Net Margin (2010 - 2026)

Citizens Financial Services' Net Margin history runs 17 years deep, the most recent figure standing at 34.82% for Q1 2026.

• In Q1 2026, Net Margin rose 598.0% year-over-year to 34.82%; the TTM figure through Mar 2026 stood at 34.67% (up 518.0% YoY), while the FY2025 annual figure was 33.26%, up 421.0% from the prior year.
• Net Margin was 34.82% for Q1 2026 at Citizens Financial Services, down from 38.1% in the prior quarter.
• In the past five years, Net Margin ranged from a high of 38.1% in Q4 2025 to a low of 23.08% in Q2 2023.
• Historically, Net Margin has averaged 29.22% across 5 years, with a median of 33.9% in 2023.
• The sharpest annual moves came in 2022 and 2024: Net Margin slumped 40983 bps in 2022, then surged 4449 bps in 2024.
• A 5-year view of Net Margin shows it stood at 36.28% in 2022, then slipped by 11 bps to 32.22% in 2023, then increased by 15 bps to 37.21% in 2024, then climbed by 2 bps to 38.1% in 2025, then retreated 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.