Citizens Financial Services (CZFS) FCF Margin (2009 - 2026)
Citizens Financial Services' FCF Margin was -1.27% in Q2 2026, down 21.36 percentage points from 20.10% a year earlier and down 61.30 percentage points from the prior quarter.
Powered by 
Analysis
Citizens Financial Services (CZFS) FCF Margin (2009 - 2026) Analysis & Trends
On a trailing twelve-month basis, Citizens Financial Services' FCF Margin was 31.25% through Jun 30, 2026, up 1.29 percentage points year-over-year; for FY2025, it was 31.37%, up 0.08 percentage points from FY2024.
- FCF Margin shows a five-year change of -132.00 percentage points (FY2020 to FY2025).
- In earlier years, FCF Margin was 31.29% in FY2024 (+5.25 pp), 26.04% in FY2023 (-12.57 pp), 38.60% in FY2022 (-9.33 pp) and 47.93% in FY2021 (-115.43 pp).
- The Q2 2026 figure marks the lowest quarterly FCF Margin since Q2 2023.
- Compared with a year earlier, FCF Margin was higher in three of the last eight quarters, with an average year-over-year change of -3.57 percentage points.
- The best year-over-year quarter for FCF Margin over five years was Q2 2024 (a gain of 57.42 percentage points); the worst was Q4 2021 (a drop of 742.09 percentage points).
- Per Business Quant data, CZFS's FCF Margin in the three quarters before Q2 2026 was 60.04% (Q1 2026), 56.26% (Q4 2025) and 9.42% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 189.34% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 19.57% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 40.54% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | - |
| 10 | Citizens Financial Services | 415.35 Mn | 272.64 Mn | - | 15.92% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 15.92% |
| Jun 30, 2026 | -0.86% |
| Mar 31, 2026 | 40.70% |
| Dec 31, 2025 | 56.26% |
| Sep 30, 2025 | 9.42% |
| Jun 30, 2025 | 12.94% |
| Mar 31, 2025 | 24.41% |
| Dec 31, 2024 | 38.23% |
| Sep 30, 2024 | 22.31% |
| Jun 30, 2024 | 11.75% |
| Mar 31, 2024 | 51.51% |
| Dec 31, 2023 | 62.73% |
| 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% |
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();