Superworth

Citizens profit margin CIA

Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.

Net margin, 12 months
4.5%
Net margin on a year earlier
−0.0 pts
Peer median
15.9%

Over the twelve months to Jun 30, 2026, Citizens kept 4.5% of its revenue as net profit.

Five years earlier its net margin was −2.0%.

The median for 10 financial stocks of a similar size is 15.9%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY20255.7%
FY20246.1%
FY202310.2%
FY202211.2%
FY202114.7%
FY2020−4.6%
FY2019−0.5%
FY2018−4.5%
FY2017−15.1%
FY20160.8%
FY2015−1.3%
FY2014−2.8%
FY20132.2%
FY20122.2%
FY20114.4%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY264.5%−0.0 pts
Q1 FY267.1%+3.5 pts
Q4 FY255.7%−0.4 pts
Q3 FY254.4%−4.5 pts
Q2 FY254.6%−4.3 pts
Q1 FY253.6%−6.3 pts
Q4 FY246.1%−4.1 pts
Q3 FY248.9%−2.5 pts
Q2 FY248.9%−2.9 pts
Q1 FY249.9%−0.5 pts
Q4 FY2310.2%−1.0 pts
Q3 FY2311.3%−10.1 pts

Against its peers

Companies in Financial Services nearest Citizens' size, closest first, today.

CompanyProfit margin
CIACitizens4.5%
JRVRJames River4.7%
WHGWestwood7.7%
BVFLBV Financial32.5%
FNWDFinward Bancorp14.2%
ECBKECB Bancorp29.4%
SBFGSB Financial24.5%
MNSBMainStreet Bancshares23.7%
OPRXOptimizeRx4.7%
EBMTEagle Bancorp Montana16.8%
CBFVCB Financial Services14.9%
Peer median15.9%

Where Citizens ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Citizens

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.