Citizens & Northern (CZNC) FCF Margin (2009 - 2026)
Citizens & Northern (CZNC) reported FCF Margin of 38.75% for Q2 2026, up 11.33 percentage points from 27.41% a year earlier and up 15.65 percentage points from the prior quarter.
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Analysis
Citizens & Northern (CZNC) FCF Margin (2009 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Citizens & Northern's FCF Margin came in at 31.42%, up 7.00 percentage points year-over-year; for FY2025, it came in at 24.53%, down 4.21 percentage points from FY2024.
- FCF Margin has a five-year change of +1.02 percentage points (FY2020 to FY2025).
- By year, FCF Margin came in at 28.74% in FY2024 (-1.11 pp), 29.85% in FY2023 (+0.74 pp), 29.11% in FY2022 (-2.66 pp) and 31.77% in FY2021 (+8.26 pp).
- The Q2 2026 figure ranks as the highest quarterly FCF Margin since Q4 2024.
- Year over year, FCF Margin gained in four of the last eight quarters, with an average year-over-year change of +2.66 percentage points.
- The high point for year-over-year FCF Margin in five years was Q1 2026 (a gain of 19.24 percentage points); the low point was Q1 2024 (a drop of 15.74 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 23.10% (Q1 2026), 27.47% (Q4 2025) and 36.87% (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 & Northern | 510.15 Mn | 222.62 Mn | - | 45.56% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 45.56% |
| Jun 30, 2026 | 38.75% |
| Mar 31, 2026 | 23.10% |
| Dec 31, 2025 | 27.47% |
| Sep 30, 2025 | 36.87% |
| Jun 30, 2025 | 27.41% |
| Mar 31, 2025 | 3.86% |
| Dec 31, 2024 | 41.84% |
| Sep 30, 2024 | 23.63% |
| Jun 30, 2024 | 29.21% |
| Mar 31, 2024 | 19.38% |
| Dec 31, 2023 | 27.16% |
| Sep 30, 2023 | 29.17% |
| Jun 30, 2023 | 27.85% |
| Mar 31, 2023 | 35.13% |
| Dec 31, 2022 | 27.31% |
| Sep 30, 2022 | 44.06% |
| Jun 30, 2022 | 27.22% |
| Mar 31, 2022 | 17.80% |
| Dec 31, 2021 | 34.51% |
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();