Citizens Financial Services, Inc.’s Operating Margin at a glance
Citizens Financial Services, Inc. reports operating margin of 20% for Dec 2024. The prior period recorded 15.5% (Dec 2023). Year over year the metric moved +4.5 pts (+28.8%). The rolling three-period average stands at 24.5%. Data last refreshed Dec 8, 2025, 11:54 AM.
Latest reading
20% · Dec 2024
YoY movement
+4.5 pts (+28.8%)
Rolling average
24.5%
Current Operating Margin
20%
+4.5 pts
+28.8%
Rolling average
24.5%
Latest Value
20%
Dec 2024
YoY Change
+4.5 pts
Absolute
YoY Change %
+28.8%
Rate of change
3-Period Avg
24.5%
Smoothed
Narrative signal
Citizens Financial Services, Inc.’s operating margin stands at 20% for Dec 2024. Year-over-year, the metric shifted by +4.5 pts, translating into a +28.8% rate of change versus the prior period.
Pair this momentum with product cadence, pricing power, and capital allocation moves to understand durability.
Blend with balance sheet, cash flow, and peer benchmarks from AlphaPilot’s broader dashboards to shape an investable thesis.
How operating margin shapes Citizens Financial Services, Inc.'s story
As of Dec 2024, Citizens Financial Services, Inc. reports operating margin of 20%. Evaluate cost discipline and operating leverage by viewing historical operating margins.
Operating leverage signals
Rising operating margins indicate revenue growth outpacing fixed cost expansion.
Bridge to net income
Combine operating margin with interest expense and tax rate trends to map the path to net profitability.
Valuation Multiples
Compare how the market prices revenue, equity, and operating cash flow versus peers and history.
Profitability & Margins
Understand cost structure and capital efficiency trends across gross, operating, and net results.
Growth Momentum
Track whether top-line, earnings, and free cash flow growth are accelerating or cooling.
Balance Sheet Strength
Evaluate leverage, liquidity, and cash generation capacity that underpin resilience.
Shareholder Returns
Follow dividend sustainability and cash generation relative to market value.
Citizens Financial Services, Inc. (CZFS) FAQs
Answers tailored to Citizens Financial Services, Inc.’s operating margin profile using the latest Financial Modeling Prep data.
What is Citizens Financial Services, Inc.'s current operating margin?
As of Dec 2024, Citizens Financial Services, Inc. reports operating margin of 20%. This reading reflects the latest filings and price data for CZFS.
How is Citizens Financial Services, Inc.'s operating margin trending year over year?
Year-over-year, the figure shifts by +4.5 pts (+28.8%). Pair this context with revenue growth and free cash flow signals to gauge momentum for CZFS.
Why does operating margin matter for Citizens Financial Services, Inc.?
Operating margin shows the share of revenue left after operating expenses but before interest and taxes. For Citizens Financial Services, Inc., operating within Financial Services — Banks - Regional, tracking this metric helps benchmark management's execution against close competitors.
Is Citizens Financial Services, Inc.'s operating margin above its recent average?
Citizens Financial Services, Inc.'s rolling three-period average sits at 24.5%. Comparing the latest reading of 20% to that baseline highlights whether momentum is building or fading for CZFS.
How frequently is Citizens Financial Services, Inc.'s operating margin refreshed?
Data for CZFS was last refreshed on Dec 8, 2025, 11:54 AM and updates automatically every 24 hours, keeping your valuation inputs current.