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| Date | Value |
|---|---|
| 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 |