Citizens Financial Services (CZFS) FCF Margin (2010 - 2026)

Citizens Financial Services (CZFS) recorded quarterly FCF Margin of 60.04% in Q1 2026, up 6.71% quarter-over-quarter from 56.26% in Q4 2025, and up 2084.0% on a YoY basis from 2.75% in Q1 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 2084.0% year-over-year to 60.04%; the TTM figure through Mar 2026 stood at 36.96% (up 875.0% YoY), while the FY2025 annual figure was 31.37%, up 8.0% from the prior year.
  • FCF Margin was 60.04% for Q1 2026 at Citizens Financial Services, up from 56.26% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 67.95% in Q4 2023 to a low of 51.38% in Q2 2023.
  • Historically, FCF Margin has averaged 32.86% across 5 years, with a median of 38.96% in 2022.
  • The sharpest annual moves came in 2022 and 2024: FCF Margin tumbled 63029 bps in 2022, then soared 6313 bps in 2024.
  • A 5-year view of FCF Margin shows it stood at 38.96% in 2022, then jumped by 74 bps to 67.95% in 2023, then plunged by 44 bps to 38.23% in 2024, then surged by 47 bps to 56.26% in 2025, then rose by 7 bps to 60.04% in 2026.
  • The last three FCF Margin figures came in at 60.04% (Q1 2026), 56.26% (Q4 2025), and 9.42% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Bank Of Chile 97,765.53 Bn 97,765.53 Bn - -
2 Bank Bradesco 6,846.93 Bn 6,830.99 Bn - -
3 Lloyds Banking 384.13 Bn 384.40 Bn - -
4 First Capital 215.78 Bn 215.63 Bn - 339.84%
5 Itau Unibanco Holding 202.78 Bn 202.78 Bn - -
6 Landmark Bancorp 180.37 Bn 180.34 Bn - 35.69%
7 NatWest 168.65 Bn -51.67 Bn - -
8 Shinhan Financial 136.54 Bn 104.11 Bn - 136,088.77%
9 Mizuho Financial 112.02 Bn 112.56 Bn - -
10 Citizens Financial Services 317.35 Mn 277.14 Mn - 60.04%

Historic Data

Download Data
DateValue
Mar 31, 2026 60.04%
Dec 31, 2025 56.26%
Sep 30, 2025 9.42%
Jun 30, 2025 20.10%
Mar 31, 2025 39.20%
Dec 31, 2024 38.23%
Sep 30, 2024 22.31%
Jun 30, 2024 11.75%
Mar 31, 2024 51.51%
Dec 31, 2023 67.95%
Sep 30, 2023 27.03%
Jun 30, 2023 -51.38%
Mar 31, 2023 50.36%
Dec 31, 2022 38.96%
Sep 30, 2022 41.85%
Jun 30, 2022 10.92%
Mar 31, 2022 64.12%
Dec 31, 2021 32.26%
Sep 30, 2021 53.85%
Jun 30, 2021 40.62%