• 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.
• Citizens Financial average operating margin for 2021 was 36.54%, a 100.33% decline from 2020.

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.