Citizens Financial Services (CZFS) Net Margin (2009 - 2026)
Citizens Financial Services' Net Margin came in at 34.29% for Q2 2026, up 3.31 percentage points from 30.99% a year earlier but down 0.52 percentage points from the prior quarter.
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Analysis
Citizens Financial Services (CZFS) Net Margin (2009 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Citizens Financial Services reported Net Margin of 34.76%, up 4.67 percentage points year-over-year; for FY2025, it was 32.55%, up 5.24 percentage points from FY2024.
- Net Margin carries a five-year change of -344.37 percentage points (FY2020 to FY2025).
- Going back by year, Net Margin was 27.31% in FY2024 (+7.92 pp), 19.39% in FY2023 (-16.11 pp), 35.49% in FY2022 (-1.64 pp) and 37.13% in FY2021 (-339.79 pp).
- The five-year range for quarterly Net Margin is -20.51% (Q2 2023) to 36.44% (Q4 2022).
- Year-over-year, Net Margin has increased for nine consecutive quarters, with an average year-over-year change of +3.98 percentage points over the last eight quarters.
- The fastest year-over-year change in Net Margin over five years came in Q2 2024 (a gain of 41.93 percentage points), and the weakest in Q3 2021 (a drop of 419.13 percentage points).
- Business Quant data shows CZFS's Net Margin at 34.82% (Q1 2026), 35.40% (Q4 2025) and 34.51% (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | Citizens Financial Services | 415.35 Mn | 272.64 Mn | - | 37.77% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 37.77% |
| Jun 30, 2026 | 23.41% |
| Mar 31, 2026 | 23.60% |
| Dec 31, 2025 | 35.40% |
| Sep 30, 2025 | 34.51% |
| Jun 30, 2025 | 19.95% |
| Mar 31, 2025 | 17.96% |
| Dec 31, 2024 | 30.46% |
| Sep 30, 2024 | 30.05% |
| Jun 30, 2024 | 21.41% |
| Mar 31, 2024 | 27.09% |
| Dec 31, 2023 | 29.75% |
| Sep 30, 2023 | 28.96% |
| Jun 30, 2023 | -20.52% |
| Mar 31, 2023 | 33.90% |
| Dec 31, 2022 | 36.44% |
| Sep 30, 2022 | 35.02% |
| Jun 30, 2022 | 34.45% |
| Mar 31, 2022 | 36.05% |
| Dec 31, 2021 | 35.83% |
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();