Citizens Financial Services, Inc.
CZFS
Rank in Stocks
#13158
Citizens Financial Services, Inc. functions as the parent company for First... Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
Share Price
$85.48
Last synced: 2026-11-12
Market Cap
$410.37M
Change (1 day)
-0.40%
Change (1 year)
49.94%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Citizens Financial Services, Inc. (CZFS)
Category
Financial Services
Operating Margin for Citizens Financial Services, Inc. (CZFS)
Operating Margin as of November 2026 TTM: 29.37%
According to Citizens Financial Services, Inc.'s latest financial reports, its current operating margin (TTM) is 29.37%. At the end of 2025 the company had an operating margin of 26.03%.
Operating Margin history for Citizens Financial Services, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 29.37% | 12.83% |
| 2025 | 26.03% | 30.28% |
| 2024 | 19.98% | 28.82% |
| 2023 | 15.51% | -59.32% |
| 2022 | 38.13% | -7.68% |
| 2021 | 41.30% | 11.14% |
| 2020 | 37.16% | 12.16% |
| 2019 | 33.13% | -0.33% |
| 2018 | 33.24% | -1.01% |
| 2017 | 33.58% | 9.06% |
| 2016 | 30.79% | -7.57% |
| 2015 | 33.31% | -16.16% |
| 2014 | 39.73% | 1.27% |
| 2013 | 39.23% | -2.58% |
| 2012 | 40.27% | 10.72% |
| 2011 | 36.37% | 12.39% |
| 2010 | 32.36% | 14.67% |
| 2009 | 28.22% | 33.30% |
| 2008 | 21.17% | 2.27% |
| 2007 | 20.70% | 7.14% |
| 2006 | 19.32% | -7.07% |
| 2005 | 20.79% | -4.72% |
| 2004 | 21.82% | 9.48% |
| 2003 | 19.93% | -12.16% |
| 2002 | 22.69% | 67.21% |
| 2001 | 13.57% | 1.80% |
| 2000 | 13.33% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -98.15% |
CN
|
|
| 57.52% | -98.04% |
IT
|
|
| 21.82% | -99.26% |
IN
|
|
| 26.74% | -99.09% |
IN
|
|
| 20.55% | -99.30% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Citizens Financial Services, Inc.'s operating margin
What is Citizens Financial Services, Inc.'s operating margin?
Citizens Financial Services, Inc.'s operating margin is 29.37%, as of Nov 2026.
What was Citizens Financial Services, Inc.'s operating margin in 2025?
In 2025, Citizens Financial Services, Inc.'s operating margin was 26.03%, compared with 19.98% in 2024.
How has Citizens Financial Services, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Citizens Financial Services, Inc.'s operating margin was highest in 2021 (41.30%) and lowest in 2023 (15.51%).
How does Citizens Financial Services, Inc.'s operating margin compare with similar companies?
Citizens Financial Services, Inc.'s operating margin (29.37%) is higher than that of 3 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.