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Citizens & Northern CZNC Free cash flow margin

Free cash flow margin at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp
CNB Financial logo
CNB FinancialCCNE
25.6%-3.6pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
20.2%-8.4pp
First Community Corporation logo
First Community CorporationFCCO
11.1%
Northwest Bancshares logo
Northwest BancsharesNWBI
19.5%
Greene County Bancorp logo
Greene County BancorpGCBC
41.3%+5.9pp

Other financials

Income statement

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Revenue$39.4M+34.6%
Net income$14.1M+130%
EPS (diluted)$0.79+97.5%

Balance sheet

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Cash & equivalents$82.5M-17.1%
Total debt$14.6M+2,647%
Total equity$346.1M+20.9%
Total assets$3.2B+20.7%

Cash flow

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Operating cash flow$15.4M+81.2%
CapEx$150.0K-69.1%
Free cash flow$15.3M+90.3%

Valuation

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Market cap$455.01M+56.3%
Enterprise value$387.12M+102%
P/E18×+7.2×
P/S3.2×+0.6×

Profitability

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Net margin17.8%-6.4pp

Returns & leverage

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Return on equity8%-1.8pp
Debt / equity0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

Based on trailing twelve months.

The source filing: Citizens & Northern’s 10-Q, filed August 7, 2026. Open the filing →

Filed
Aug 7, 2026, 11:52 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092539

FAQ

What is Citizens & Northern's free cash flow margin?
Citizens & Northern (CZNC) reported free cash flow margin of 31.4% in Q2 2026.
How has Citizens & Northern's free cash flow margin changed year-over-year?
Citizens & Northern's free cash flow margin increased by 28.7% year-over-year, from 24.4% to 31.4%.
What is the long-term trend for Citizens & Northern's free cash flow margin?
Over 5 years (2020 to 2025), Citizens & Northern's free cash flow margin has grown at a 0.9% compound annual growth rate (CAGR), from 23.5% to 24.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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