Skip to content

Net margin at other companies

M&T Bank logo
M&T BankMTB
29.8%+1.5pp
Fulton Financial logo
Fulton FinancialFULT
29.7%+4.9pp
Citizens & Northern logo
Citizens & NorthernCZNC
13.2%-11.4pp
CTB
Community Trust BancorpCTBI
35.5%+1.9pp
Civista Bancshares logo
Civista BancsharesCIVB
28.5%+6.1pp
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
28.6%+2.5pp

Other financials

Income statement

See full
Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

See full
Cash & equivalents$33.1M-10.0%
Total debt$198.7M-34.2%
Total equity$343.6M+11.4%
Total assets$3.0B+0.3%

Cash flow

See full
Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S+0.3×

Profitability

See full
FCF margin37%+8.8pp

Returns & leverage

See full
Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

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

Based on trailing twelve months.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s net margin.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Citizens Financial Services, Inc.'s net margin?
Citizens Financial Services, Inc. (CZFS) reported net margin of 34% in Q1 2026.
How has Citizens Financial Services, Inc.'s net margin changed year-over-year?
Citizens Financial Services, Inc.'s net margin increased by 22.4% year-over-year, from 27.8% to 34%.
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.