Filing Flows › Citizens Financial Services (CZFS) › Operating margin
Citizens Financial Services (CZFS) operating margin by quarter
Citizens Financial Services' operating margin was 46.1% in Q3 2026 (third quarter 2026), +4.5 pts from Q2 2026. Over the last 7 quarters it ranged from 35.7% (Q1 2025) to 46.1% (Q3 2026).
| Quarter | Operating margin | Q/Q | Y/Y |
|---|---|---|---|
| Q3 2026 | 46.1% | +4.5 pts | +3.4 pts |
| Q2 2026 | 41.5% | -1.1 pts | +3.4 pts |
| Q1 2026 | 42.6% | -1.6 pts | +7.0 pts |
| Q4 2025 | 44.2% | +1.6 pts | — |
| Q3 2025 | 42.6% | +4.5 pts | — |
| Q2 2025 | 38.1% | +2.5 pts | — |
| Q1 2025 | 35.7% | — | — |
Q3 2026 at a glance
Citizens Financial Services, Q3 2026: revenue $31.6M (+9% year over year), operating margin 46.1%, net earnings $11.9M, operating cash flow $5.3M. The chart follows the revenue to costs, profit and cash.
Questions
What is Citizens Financial Services' operating margin?
Citizens Financial Services' operating margin was 46.1% in Q3 2026 (third quarter 2026), +4.5 pts from Q2 2026.
How has Citizens Financial Services' operating margin changed?
Over the last 7 quarters it ranged from 35.7% (Q1 2025) to 46.1% (Q3 2026).
Q3 2026 results → · How Citizens Financial Services makes money →