Citizens & Northern (Citizens & Northern) FCF Margin % : 27.49% (As of Dec. 2023)

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What is Citizens & Northern FCF Margin %?

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Citizens & Northern's Free Cash Flow for the three months ended in Dec. 2023 was $6.9 Mil. Citizens & Northern's Revenue for the three months ended in Dec. 2023 was $25.0 Mil. Therefore, Citizens & Northern's FCF Margin % for the quarter that ended in Dec. 2023 was 27.49%.

As of today, Citizens & Northern's current FCF Yield % is 11.44%.

The historical rank and industry rank for Citizens & Northern's FCF Margin % or its related term are showing as below:

CZNC' s FCF Margin % Range Over the Past 10 Years
Min: 23.83 Med: 30.65 Max: 38.03
Current: 30.54

During the past 13 years, the highest FCF Margin % of Citizens & Northern was 38.03%. The lowest was 23.83%. And the median was 30.65%.

CZNC's FCF Margin % is ranked better than
54.27% of 1428 companies
in the Banks industry
Industry Median: 27.305 vs CZNC: 30.54

Citizens & Northern FCF Margin % Historical Data

The historical data trend for Citizens & Northern's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Citizens & Northern FCF Margin % Chart

Citizens & Northern Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

FCF Margin %

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26.95

23.83

32.21

29.55

30.33

Citizens & Northern Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
FCF Margin %	Get a 7-Day Free Trial															35.77	28.27	29.74	27.49	-

Competitive Comparison of Citizens & Northern's FCF Margin %

For the Banks - Regional subindustry, Citizens & Northern's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Citizens & Northern's FCF Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens & Northern's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Citizens & Northern's FCF Margin % falls into.

Citizens & Northern FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Citizens & Northern's FCF Margin for the fiscal year that ended in Dec. 2023 is calculated as

FCF Margin	=	Free Cash Flow (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	31.283	/	103.135
	=	30.33 %

Citizens & Northern's FCF Margin for the quarter that ended in Dec. 2023 is calculated as

FCF Margin	=	Free Cash Flow (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	6.863	/	24.964
	=	27.49 %

Citizens & Northern FCF Margin % Related Terms

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Citizens & Northern (Citizens & Northern) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Citizens & Northern Corp (NAS:CZNC) » Definitions » FCF Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

90-92 Main Street, Wellsboro, PA, USA, 16901

Website

https://www.cnbankpa.com

Citizens & Northern Corp is a community bank operating through its subsidiaries. It provides banking services, including deposit and loan products for personal and commercial customers. The bank also maintains a trust division that provides a wide range of financial services, such as 401(k) plans, retirement planning, estate planning, estate settlements and asset management.

Executives

Frank G Pellegrino	director	2050 POCO FARM ROAD, WILLIAMSPORT PA 17701
Robert G Loughery	director	1128 SLOTTER ROAD, PERKASIE PA 18944
Katherine W Shattuck	director	2548 LAKE ROAD, TOWANDA PA 18848
Tracy Ellen Watkins	officer: EXEC. VP	1972 NORTH WILLIAMSON ROAD, COVINGTON PA 16917-9516
Bobbi J Kilmer	director	555 COUNTRY VIEW DRIVE, TOWANDA PA 18848
Glenn Richard James	officer: EVP Counsel, Corp Secretary	90-92 MAIN ST, WELLSBORO PA 16901
Timothy E Schoener	director	821 HAWTHORNE AVE, WILLIAMSPORT PA 17701
Kelley A Cwiklinski	officer: EVP Chief Comm Lending Officer	90-92 MAIN ST, WELLSBORO PA 16901
Leo F Lambert	director	PO BOX 345, DUSHORE PA 18614
Helen S Santiago	director	263 BRIDGE STREET HILL RD, TOWANDA PA 18848
Terry L Lehman	director	5066 NORTH SHERMAN STREET, MOUNT WOLF PA 17347
Matthew L Bower	officer: EVP, Chief Wealth Mgmt Officer	90-92 MAIN ST, WELLSBORO PA 16901
Susan E Hartley	director	1293 HOFFMAN HOLLOW RD, LOWMAN NY 14861
Stephen M Dorwart	director	234 CEDAR ROAD, MULLICA HILL NJ 08062
Alexander Balagour	officer: EVP- CHIEF INFORMATION OFFICER	45 TEAL DRIVE, LANGHORNE PA 19047