Citizens & Northern (CZNC) FCF Payout Ratio (2010 - 2026)

Citizens & Northern's (CZNC) quarterly FCF Payout Ratio came in at 0.54 in Q1 2026, down 86.95% year-on-year from 4.16 in Q1 2025, and up 20.91% quarter-over-quarter from 0.45 in Q4 2025.

Citizens & Northern (CZNC) FCF Payout Ratio (2010 - 2026) Analysis & Trends

Citizens & Northern's FCF Payout Ratio history runs 17 years deep, the most recent figure standing at 0.54 for Q1 2026.

  • On a quarterly basis, FCF Payout Ratio fell 86.95% year-over-year to 0.54 in Q1 2026; TTM through Mar 2026 was 0.47, a 23.31% decrease from a year earlier, with the FY2025 full-year figure at 0.54, up 8.51% from the prior year.
  • FCF Payout Ratio improved to 0.54 in Q1 2026 per CZNC's latest filing, from 0.45 in the prior quarter.
  • Across five years, FCF Payout Ratio topped out at 4.16 in Q1 2025 and bottomed at 0.33 in Q4 2024.
  • The 5-year median for FCF Payout Ratio is 0.54 (2026), against an average of 0.76.
  • Across the five-year window, FCF Payout Ratio jumped 434.96% in 2025 and tumbled 86.95% in 2026, its largest moves.
  • Year by year, FCF Payout Ratio stood at 0.51 in 2022, then advanced by 10.78% to 0.56 in 2023, then plunged by 41.03% to 0.33 in 2024, then jumped by 35.17% to 0.45 in 2025, then rose by 20.91% to 0.54 in 2026.
  • Per Business Quant, the three latest CZNC FCF Payout Ratio figures stand at 0.54 (Q1 2026), 0.45 (Q4 2025), and 0.4 (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 & Northern 425.73 Mn 370.93 Mn - 0.54

Historic Data

Download Data
DateValue
Mar 31, 2026 0.54
Dec 31, 2025 0.45
Sep 30, 2025 0.40
Jun 30, 2025 0.54
Mar 31, 2025 4.16
Dec 31, 2024 0.33
Sep 30, 2024 0.67
Jun 30, 2024 0.54
Mar 31, 2024 0.78
Dec 31, 2023 0.56
Sep 30, 2023 0.56
Jun 30, 2023 0.57
Mar 31, 2023 0.43
Dec 31, 2022 0.51
Sep 30, 2022 0.37
Jun 30, 2022 0.61
Mar 31, 2022 0.95
Dec 31, 2021 0.44
Sep 30, 2021 0.48
Jun 30, 2021 0.49