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Citizens & Northern CZNC Free cash flow

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
$18.83M+90.6%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$14.66M-24.8%
West Bancorporation logo
West BancorporationWTBA
$12.39M+50.0%
Greene County Bancorp logo
Greene County BancorpGCBC
$10.66M+46.9%
Northwest Bancshares logo
Northwest BancsharesNWBI
$69.56M-34.3%

Other financials

Income statement

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Revenue$36.6M+35.8%
Net income$273.0K-95.7%
EPS (diluted)$0.02-95.1%

Balance sheet

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Cash & equivalents$54.8M-52.2%
Total debt$13.6M+2,280%
Total equity$335.6M+19.1%
Total assets$3.2B+21.3%

Cash flow

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Operating cash flow$8.7M+447%
CapEx$188.0K-65.3%

Valuation

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Market cap$402.23M+41.5%
Enterprise value$361.02M+112%
P/E23.1×+12.6×
P/S3×+0.4×

Profitability

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Net margin13.2%-11.4pp
FCF margin28.3%+3.5pp

Returns & leverage

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Return on equity5.6%-4.3pp
Debt / equity0×0.0×

Where this comes from

Calculated from Citizens & Northern’s reported figures.

$8.7Mnet cash from operating−$188.0Kcapital expenditures=$8.47M

The official record: Citizens & Northern’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens & Northern's free cash flow?
Citizens & Northern (CZNC) reported free cash flow of $8.47M in Q1 2026.
How has Citizens & Northern's free cash flow changed year-over-year?
Citizens & Northern's free cash flow increased by 713.3% year-over-year, from $1.04M to $8.47M.
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.