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Net margin at other companies

M&T Bank logo
M&T BankMTB
30.4%+1.8pp
Fulton Financial logo
Fulton FinancialFULT
28.8%+3.5pp
Citizens & Northern logo
Citizens & NorthernCZNC
17.8%-6.4pp
CTB
Community Trust BancorpCTBI
36.1%+1.6pp
SB Financial Group logo
SB Financial GroupSBFG
24.5%+5.3pp
Civista Bancshares logo
Civista BancsharesCIVB
29.3%+4.9pp

Other financials

Income statement

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Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

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Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

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Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
P/S3.3×+0.7×

Profitability

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FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

Calculated from Citizens Financial Services, Inc.’s reported figures.

Based on trailing twelve months.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026. Open the filing →

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479

FAQ

What is Citizens Financial Services, Inc.'s net margin?
Citizens Financial Services, Inc. (CZFS) reported net margin of 34.8% in Q2 2026.
How has Citizens Financial Services, Inc.'s net margin changed year-over-year?
Citizens Financial Services, Inc.'s net margin increased by 15.5% year-over-year, from 30.1% to 34.8%.
What is the long-term trend for Citizens Financial Services, Inc.'s net margin?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s net margin has grown at a -0.9% compound annual growth rate (CAGR), from 34.1% to 32.6%.
What does net margin mean?
Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

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