Citizens & Northern (CZNC) FCF Margin (2010 - 2026)
Citizens & Northern (CZNC) reported FCF Margin of 462.71% for Q2 2026, up 177.32 percentage points from 285.39% a year earlier and up 182.84 percentage points from the prior quarter.
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Analysis
Citizens & Northern (CZNC) FCF Margin (2010 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Citizens & Northern's FCF Margin came in at 368.74%, up 120.36 percentage points year-over-year; for FY2025, it came in at 267.73%, down 20.72 percentage points from FY2024.
- FCF Margin has declined for four consecutive years, with a five-year change of -30.28 percentage points (FY2020 to FY2025).
- By year, FCF Margin came in at 288.45% in FY2024 (-14.42 pp), 302.87% in FY2023 (-6.32 pp), 309.18% in FY2022 (-50.00 pp) and 359.18% in FY2021 (+61.18 pp).
- The Q2 2026 figure ranks as the highest quarterly FCF Margin in data going back to Q3 2010.
- Year over year, FCF Margin gained in four of the last eight quarters, with an average year-over-year change of +54.45 percentage points.
- The high point for year-over-year FCF Margin in five years was Q1 2023 (a gain of 272.35 percentage points); the low point was Q1 2024 (a drop of 188.69 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 279.87% (Q1 2026), 326.68% (Q4 2025) and 401.55% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 890.60 Bn | 920.07 Bn | - | -44.09% |
| 2 | Banco Santander Chile | 421.74 Bn | 541.68 Bn | - | - |
| 3 | Bank Of America | 385.85 Bn | -1,990.22 Bn | - | 92.03% |
| 4 | Hsbc Holdings | 345.94 Bn | 345.99 Bn | - | - |
| 5 | Morgan Stanley | 303.15 Bn | -205.95 Bn | - | -16.70% |
| 6 | Royal Bank Of Canada | 279.82 Bn | 130.57 Bn | - | 189.34% |
| 7 | Mitsubishi Ufj Financial | 274.62 Bn | -1,313.87 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 267.07 Bn | -3,290.04 Bn | - | 27.55% |
| 9 | Wells Fargo & Company | 243.79 Bn | 245.93 Bn | - | 29.95% |
| 10 | Citizens & Northern | 453.58 Mn | 141.70 Mn | - | 462.71% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 462.71% |
| Mar 31, 2026 | 279.87% |
| Dec 31, 2025 | 326.68% |
| Sep 30, 2025 | 401.55% |
| Jun 30, 2025 | 285.39% |
| Mar 31, 2025 | 39.82% |
| Dec 31, 2024 | 416.15% |
| Sep 30, 2024 | 236.80% |
| Jun 30, 2024 | 296.28% |
| Mar 31, 2024 | 194.65% |
| Dec 31, 2023 | 261.25% |
| Sep 30, 2023 | 283.04% |
| Jun 30, 2023 | 290.53% |
| Mar 31, 2023 | 383.34% |
| Sep 30, 2022 | 287.52% |
| Jun 30, 2022 | 161.78% |
| Mar 31, 2022 | 110.99% |
| Sep 30, 2021 | 221.34% |
| Jun 30, 2021 | 228.53% |
| Mar 31, 2021 | 145.20% |
API Access
Citizens & Northern 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=CZNC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "CZNC", "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=CZNC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();