• Citizens Financial average operating margin for 2024 was 13.92%, a 39.79% increase from 2023.
• Citizens Financial average operating margin for 2023 was 23.12%, a 29.9% decline from 2022.
• Citizens Financial average operating margin for 2022 was 32.98%, a 9.74% decline from 2021.

Operating margin can be defined as operating margin measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc.