Superworth

Citizens Financial Services profit margin CZFS

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

Net margin, 12 months
34.8%
Net margin on a year earlier
+4.7 pts
Peer median
27.9%

Over the twelve months to Jun 30, 2026, Citizens Financial Services kept 34.8% of its revenue as net profit.

Five years earlier its net margin was 37.9%.

The median for 10 regional banks of a similar size is 27.9%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202532.6%
FY202427.3%
FY202319.4%
FY202235.5%
FY202137.1%
FY202034.1%
FY201933.4%
FY201832.8%
FY201725.6%
FY201627.6%
FY201530.4%
FY201435.5%
FY201335.8%
FY201237.2%
FY201136.1%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2634.8%+4.7 pts
Q1 FY2634.0%+6.2 pts
Q4 FY2532.6%+5.2 pts
Q3 FY2531.3%+4.2 pts
Q2 FY2530.1%+3.2 pts
Q1 FY2527.8%+9.3 pts
Q4 FY2427.3%+7.9 pts
Q3 FY2427.1%+6.5 pts
Q2 FY2426.9%+5.2 pts
Q1 FY2418.4%−16.6 pts
Q4 FY2319.4%−16.1 pts
Q3 FY2320.6%−14.7 pts

Against its peers

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

CompanyProfit margin
CZFSCitizens Financial Services34.8%
CHMGChemung Financial27.9%
PCBPCB Bancorp34.7%
PKBKParke Bancorp50.5%
MVBFMVB Financial20.6%
ISTRInvestar27.3%
CBANColony Bankcorp21.6%
NECBNorthEast Community Bancorp40.9%
NWFLNorwood Financialn/m
FRSTPrimis Financial23.8%
CBKCommercial Bancgroup42.1%
Peer median27.9%

Where Citizens Financial Services 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 Financial Services

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