Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 28.62% is in line with its 5-year average of 29.49%, near the high end of its 5-year range (-18.33%–40.78%).
2.92% above its 12-month average of 27.81%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 28.36%.
OPERATING MARGIN
28.62%
OPERATING MARGIN AVG TTM
27.81%
OPERATING MARGIN AVG 3Y
23.79%
OPERATING MARGIN AVG 5Y
29.49%
OPERATING MARGIN AVG 10Y
32.20%
OPERATING MARGIN AVG 15Y
34.10%
OPERATING MARGIN AVG 20Y
32.02%
CURRENT VS TTM AVG
+2.92%
CURRENT VS 3Y AVG
+20.29%
CURRENT VS 5Y AVG
-2.97%
CURRENT VS 10Y AVG
-11.12%
CURRENT VS 15Y AVG
-16.06%
CURRENT VS 20Y AVG
-10.62%
SECTOR MEDIAN · FINANCIAL SERVICES
17.67%
median of 541 covered companies
CURRENT VS SECTOR MEDIAN
+61.97%
vs the sector median at left
Citizens Financial Services, Inc.
Market Cap
$385.02M
Operating Margin
28.62%
TTM Avg
27.81%
3Y Avg
23.79%
5Y Avg
29.49%
Market Cap
$385.24M
Operating Margin
13.63%
TTM Avg
12.61%
3Y Avg
11.97%
5Y Avg
21.18%
Market Cap
$387.86M
Operating Margin
21.59%
TTM Avg
5.92%
3Y Avg
4.85%
5Y Avg
10.93%
Market Cap
$380.45M
Operating Margin
23.76%
TTM Avg
21.66%
3Y Avg
27.82%
5Y Avg
31.78%
Market Cap
$390.33M
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$379.61M
Operating Margin
5.83%
TTM Avg
-7.33%
3Y Avg
-20.02%
5Y Avg
-13.99%
Market Cap
$391.36M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$396.75M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$397.56M
Operating Margin
15.20%
TTM Avg
17.18%
3Y Avg
23.41%
5Y Avg
26.31%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Citizens Financial Services, Inc. (CZFS) | $385.02M | 28.62% | 27.81% | 23.79% | 29.49% |
| MVB Financial Corp. (MVBF)vs › | $385.24M | 13.63% | 12.61% | 11.97% | 21.18% |
| Primis Financial Corp (FRST)vs › | $387.86M | 21.59% | 5.92% | 4.85% | 10.93% |
| The First Bancorp, Inc. (FNLC)vs › | $380.45M | 23.76% | 21.66% | 27.82% | 31.78% |
| Berto Acquisition Corp. II (GUAC)vs › | $390.33M | N/A | N/A | N/A | N/A |
| Oportun Financial Corporation (OPRT)vs › | $379.61M | 5.83% | -7.33% | -20.02% | -13.99% |
| Centurion Acquisition Corp. (ALF)vs › | $391.36M | 0.00% | 0.00% | 0.00% | 0.00% |
| GP-Act III Acquisition Corp. (GPAT)vs › | $396.75M | 0.00% | 0.00% | 0.00% | 0.00% |
| Chemung Financial Corporation (CHMG)vs › | $397.56M | 15.20% | 17.18% | 23.41% | 26.31% |
| Northeast Community Bancorp, Inc. (NECB)vs › | $372.32M | 39.45% | 40.36% | 43.98% | 39.48% |
Operating Margin
28.6%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 28.36% |
| 2026-03-31 | 29.02% |
| 2025-12-31 | 29.08% |
| 2025-09-30 | 28.02% |
| 2025-06-30 | 24.56% |
| 2025-03-31 | 22.09% |
| 2024-12-31 | 22.13% |
| 2024-09-30 | 21.79% |
| 2024-06-30 | 15.49% |
| 2024-03-31 | 20.34% |
| 2023-12-31 | 21.96% |
| 2023-09-30 | 22.67% |
| 2023-06-30 | -18.33% |
| 2023-03-31 | 31.07% |
| 2022-12-31 | 36.38% |
| 2022-09-30 | 37.59% |
| 2022-06-30 | 38.61% |
| 2022-03-31 | 40.56% |
| 2021-12-31 | 40.43% |
| 2021-09-30 | 40.78% |
| 2021-06-30 | 38.97% |
| 2021-03-31 | 44.74% |
| 2020-12-31 | 39.28% |
| 2020-09-30 | 44.54% |
| 2020-06-30 | 31.60% |
| 2020-03-31 | 31.53% |
| 2019-12-31 | 34.09% |
| 2019-10-31 | 34.69% |
| 2019-06-30 | 32.95% |
| 2019-03-31 | 30.65% |
| 2018-12-31 | 31.41% |
| 2018-09-30 | 33.91% |
| 2018-06-30 | 35.07% |
| 2018-03-31 | 32.66% |
| 2017-12-31 | 35.26% |
| 2017-09-30 | 34.12% |
| 2017-06-30 | 32.94% |
| 2017-03-31 | 31.69% |
| 2016-12-31 | 29.86% |
| 2016-09-30 | 30.49% |
| 2016-06-30 | 29.96% |
| 2016-03-31 | 32.91% |
| 2015-12-31 | 26.79% |
| 2015-09-30 | 32.98% |
| 2015-06-30 | 37.00% |
| 2015-03-31 | 36.77% |
| 2014-12-31 | 40.92% |
| 2014-09-30 | 39.89% |
| 2014-06-30 | 39.98% |
| 2014-03-31 | 38.12% |
| 2013-12-31 | 38.77% |
| 2013-09-30 | 40.70% |
| 2013-06-30 | 39.04% |
| 2013-03-31 | 38.64% |
| 2012-12-31 | 40.71% |
| 2012-09-30 | 39.38% |
| 2012-06-30 | 42.66% |
| 2012-03-31 | 38.78% |
| 2011-12-31 | 38.19% |
| 2011-09-30 | 38.34% |
| 2011-06-30 | 35.33% |
| 2011-03-31 | 32.02% |
| 2010-12-31 | 32.85% |
| 2010-09-30 | 32.74% |
| 2010-06-30 | 33.14% |
| 2010-05-10 | 31.51% |
| 2009-12-31 | 30.28% |
| 2009-09-30 | 26.91% |
| 2009-06-30 | 28.34% |
| 2009-03-31 | 27.31% |
| 2008-12-31 | 29.81% |
| 2008-09-30 | -13.56% |
| 2008-06-30 | 30.56% |
| 2008-03-31 | 24.79% |
| 2007-12-31 | 22.59% |
| 2007-09-30 | 21.39% |
| 2007-06-30 | 21.48% |
| 2007-03-31 | 17.12% |
| 2006-12-31 | 19.72% |
| 2006-09-30 | 19.56% |
| 2006-06-30 | 20.20% |
| 2006-03-31 | 17.67% |
| 2005-12-31 | 20.71% |
| 2005-09-30 | 21.74% |
| 2005-06-30 | 20.46% |
| 2005-03-31 | 20.18% |
| 2004-12-31 | 14.12% |
| 2004-09-30 | 23.09% |
| 2004-06-30 | 24.63% |
| 2004-03-31 | 24.91% |
| 2003-12-31 | 22.12% |
| 2003-09-30 | 11.69% |
| 2003-06-30 | 23.02% |
| 2003-03-31 | 22.80% |
| 2002-12-31 | 22.68% |
| 2002-09-30 | 23.32% |
