• Citizens Financial average pre-tax profit margin for 2023 was 23.12%, a 29.9% decline from 2022.
• Citizens Financial average pre-tax profit margin for 2022 was 32.98%, a 9.74% decline from 2021.
• Citizens Financial average pre-tax profit margin for 2021 was 36.54%, a 100.33% decline from 2020.

Pre-tax profit margin can be defined as earnings before taxes as a portion of total revenue.