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Free cash flow at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$17.89M+72.7%
CNB Financial logo
CNB FinancialCCNE
$35.98M+101%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$7.45M-75.8%
First Community Corporation logo
First Community CorporationFCCO
-$2.49M-140%
Northwest Bancshares logo
Northwest BancsharesNWBI
$26.13M
Greene County Bancorp logo
Greene County BancorpGCBC
$10.66M+46.9%

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%

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
FCF margin31.4%+7.0pp

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.

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?
Citizens & Northern (CZNC) reported free cash flow of $15.27M in Q2 2026.
How has Citizens & Northern's free cash flow changed year-over-year?
Citizens & Northern's free cash flow increased by 90.3% year-over-year, from $8.03M to $15.27M.
What is the long-term trend for Citizens & Northern's free cash flow?
Over 4 years (2021 to 2025), Citizens & Northern's free cash flow has grown at a -2.3% compound annual growth rate (CAGR), from $32.98M to $30.1M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.

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