Citizens Financial Services (CZFS) FCF Margin (2010 - 2026)
Citizens Financial Services (CZFS) posted quarterly FCF Margin of 60.04% for Q1 2026, up 1840.0% year-over-year from 3.09% in Q1 2025, and up 11.8% quarter-over-quarter from 53.7% in Q4 2025.
Citizens Financial Services (CZFS) FCF Margin (2010 - 2026) Analysis & Trends
Citizens Financial Services' FCF Margin history runs 17 years deep, the most recent figure standing at 60.04% for Q1 2026.
- In Q1 2026, FCF Margin rose 1840.0% year-over-year to 60.04%; the TTM figure through Mar 2026 stood at 42.23% (up 1206.0% YoY), while the FY2025 annual figure was 31.81%, down 71.0% from the prior year.
- FCF Margin for Q1 2026 stood at 60.04%, up from 53.7% in the prior quarter.
- The five-year high for FCF Margin was 67.22% in Q1 2022, with the low at 46.35% in Q2 2023.
- The 5-year median for FCF Margin is 41.85% (2022), against an average of 35.42%.
- The sharpest annual moves came in 2022 and 2024: FCF Margin plunged 62719 bps in 2022, then soared 5840 bps in 2024.
- Citizens Financial Services' FCF Margin stood at 38.04% in 2022, then jumped by 63 bps to 62.16% in 2023, then dropped by 29 bps to 44.03% in 2024, then climbed by 22 bps to 53.7% in 2025, then advanced by 12 bps to 60.04% in 2026.
- Business Quant data shows CZFS's FCF Margin at 60.04% in Q1 2026, 53.7% in Q4 2025, and 9.42% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 31.23% |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 62.71% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | - |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 18.14% |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | - |
| 10 | Citizens Financial Services | 397.75 Mn | 311.83 Mn | - | -1.27% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | -1.66% |
| Mar 31, 2026 | 60.04% |
| Dec 31, 2025 | 53.70% |
| Sep 30, 2025 | 9.42% |
| Jun 30, 2025 | 47.84% |
| Mar 31, 2025 | 41.64% |
| Dec 31, 2024 | 44.03% |
| Sep 30, 2024 | 23.27% |
| Jun 30, 2024 | 12.05% |
| Mar 31, 2024 | 57.11% |
| Dec 31, 2023 | 62.16% |
| Sep 30, 2023 | 28.47% |
| Jun 30, 2023 | -46.35% |
| Mar 31, 2023 | 50.36% |
| Dec 31, 2022 | 38.04% |
| Sep 30, 2022 | 41.85% |
| Jun 30, 2022 | 11.22% |
| Mar 31, 2022 | 67.22% |
| Dec 31, 2021 | 43.55% |
| Sep 30, 2021 | 57.28% |