Citizens Financial Services (CZFS) FCF Margin (2010 - 2026)
Citizens Financial Services (CZFS) posted FCF Margin of 1.27% for Q2 2026, down 102.11% on a QoQ basis from 60.04% in Q1 2026, and down 2136.0% year-over-year from 0.06% in Q2 2025.
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Analysis
Citizens Financial Services (CZFS) FCF Margin (2010 - 2026) Analysis & Trends
Citizens Financial Services has reported FCF Margin for 17 years, with the latest figure at 1.27% in Q2 2026.
- On a quarterly basis, FCF Margin fell 2136.0% year-over-year to 1.27% in Q2 2026; TTM through Jun 2026 was 31.25%, a 129.0% increase from a year earlier, with the FY2025 full-year figure at 31.37%, up 8.0% from the prior year.
- FCF Margin was 1.27% for Q2 2026 at Citizens Financial Services, down from 60.04% in the prior quarter.
- The five-year high for FCF Margin was 67.95% in Q4 2023, with the low at 45.67% in Q2 2023.
- Average FCF Margin over 5 years is 31.28%, with a median of 38.59% recorded in 2022.
- The sharpest annual moves came in 2022 and 2024: FCF Margin slumped 63029 bps in 2022, then jumped 5742 bps in 2024.
- Over 5 years, FCF Margin stood at 38.96% in 2022, then surged by 74 bps to 67.95% in 2023, then tumbled by 44 bps to 38.23% in 2024, then soared by 47 bps to 56.26% in 2025, then slumped by 102 bps to 1.27% in 2026.
- The last three FCF Margin figures came in at 1.27% (Q2 2026), 60.04% (Q1 2026), and 56.26% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 18.14% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | - |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 49.25% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 34.72% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 29.43% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 16.10% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 11.91% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 1,155.41% |
| 10 | Citizens Financial Services | 391.28 Mn | 305.36 Mn | - | -1.27% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -1.27% |
| 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 | -45.67% |
| 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% |
API Access
Citizens Financial Services FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=CZFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "CZFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=CZFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();