Citizens Financial Services (CZFS) FCF Payout Ratio (2010 - 2026)

Citizens Financial Services' (CZFS) quarterly FCF Payout Ratio came in at 0.13 in Q1 2026, down 40.94% year-on-year from 0.23 in Q1 2025, and down 6.9% quarter-over-quarter from 0.14 in Q4 2025.

Citizens Financial Services (CZFS) FCF Payout Ratio (2010 - 2026) Analysis & Trends

Citizens Financial Services' FCF Payout Ratio history runs 17 years deep, the most recent figure standing at 0.13 for Q1 2026.

  • On a quarterly basis, FCF Payout Ratio fell 40.94% year-over-year to 0.13 in Q1 2026; TTM through Mar 2026 was 0.22, a 30.74% decrease from a year earlier, with the FY2025 full-year figure at 0.27, down 7.17% from the prior year.
  • FCF Payout Ratio fell to 0.13 in Q1 2026 per CZFS's latest filing, from 0.14 in the prior quarter.
  • Across five years, FCF Payout Ratio topped out at 0.88 in Q3 2025 and bottomed at 0.21 in Q2 2023.
  • The 5-year median for FCF Payout Ratio is 0.23 (2022), against an average of 0.32.
  • Across the five-year window, FCF Payout Ratio plunged 124.5% in 2023 and soared 478.33% in 2024, its largest moves.
  • Year by year, FCF Payout Ratio stood at 0.23 in 2022, then slumped by 35.94% to 0.15 in 2023, then surged by 60.45% to 0.23 in 2024, then plunged by 38.04% to 0.14 in 2025, then slipped by 6.9% to 0.13 in 2026.
  • Per Business Quant, the three latest CZFS FCF Payout Ratio figures stand at 0.13 (Q1 2026), 0.14 (Q4 2025), and 0.88 (Q3 2025).

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Cover (Qtr)
1 KB Financial 43,124.21 Bn 43,125.44 Bn -775,612.08 -
2 Shinhan Financial 33,971.34 Bn 33,973.00 Bn - -1.36
3 Bank Of Chile 4,105.33 Bn 4,105.33 Bn 167,623.00 5.86
4 NatWest 768.74 Bn 572.78 Bn 1.79 Bn -
5 Mizuho Financial 385.64 Bn 389.59 Bn - -
6 Lloyds Banking 358.14 Bn 358.14 Bn - -
7 First Capital 200.03 Bn 199.69 Bn - 0.18
8 Landmark Bancorp 187.97 Bn 187.94 Bn - 0.19
9 Pnc Financial Services 100.96 Bn 101.01 Bn - 0.36
10 Citizens Financial Services 375.81 Mn 301.93 Mn - 0.13

Historic Data

Download Data
DateValue
Mar 31, 2026 0.13
Dec 31, 2025 0.14
Sep 30, 2025 0.88
Jun 30, 2025 0.44
Mar 31, 2025 0.23
Dec 31, 2024 0.23
Sep 30, 2024 0.42
Jun 30, 2024 0.81
Mar 31, 2024 0.17
Dec 31, 2023 0.15
Sep 30, 2023 0.33
Jun 30, 2023 -0.21
Mar 31, 2023 0.19
Dec 31, 2022 0.23
Sep 30, 2022 0.21
Jun 30, 2022 0.87
Mar 31, 2022 0.16
Dec 31, 2021 0.30
Sep 30, 2021 0.18
Jun 30, 2021 0.24