Citizens & NorthernCZNC -1.71%56 FCF Margin % is 23.47% as of Mar. 2026, which is 22% below its 10-year median of 29.91. GuruFocus rates CZNC with a GF Score™ of 56/100 and a GF Value™ of $20.89 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,506 Banks companies, Citizens & Northern ranks better than 54.32% on this metric.
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: 29.91 Max: 38.02
Current: 28.79
During the past 13 years, the highest FCF Margin % of Citizens & Northern was 38.02%. The lowest was 23.83%. And the median was 29.91%.
CZNC's FCF Margin % is ranked better than 54.32% of 1506
companies
in the Banks industry
Industry Median: 26.435
vs CZNC: 28.79
Citizens & Northern FCF Margin % Related Terms
Citizens & Northern FCF Margin % Historical Data
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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.
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 FCF Margin % vs 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.
* 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.
Citizens & Northern (CZNC) has a FCF Margin % of 23.47% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens & Northern and its competitors. This is 22% below median its historical median of 29.91. Over the past decade, Citizens & Northern's FCF Margin % has ranged from 23.83 to 38.02. According to the industry distribution chart, Citizens & Northern ranks #688 out of 1506 companies in the Banks industry, placing it in the top 45.7%.
Is Citizens & Northern's FCF Margin % too high?
Citizens & Northern's current FCF Margin % of 23.47% is 22% below median its 10-year median of 29.91. Over the past 10 years, this metric has ranged from a low of 23.83 to a high of 38.02. The Banks industry median FCF Margin % is 26.44. Citizens & Northern's value of 23.47% is 11.2% below this industry median. Based on the distribution chart, Citizens & Northern ranks #688 out of 1506 companies in the Banks industry, which is above the industry midpoint. Overall, Citizens & Northern has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens & Northern's FCF Margin % compare to FMAO and NEWT?
According to the Banks industry distribution chart, Citizens & Northern ranks #688 out of 1506 companies for FCF Margin %. This puts Citizens & Northern in the upper half of its industry. The industry median FCF Margin % is 26.44. Citizens & Northern's value of 23.47% is 11.2% below this benchmark. Historically, Citizens & Northern's own FCF Margin % has ranged from 23.83 to 38.02 over the past decade. While the company's 10-year median is 29.91 vs. the industry median of 26.44, Citizens & Northern has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.44, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens & Northern's current FCF Margin % of 23.47% is 11.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens & Northern and its competitors. For the Banks industry, the median FCF Margin % is 26.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens & Northern's current FCF Margin % is 23.47%, which is 22% below median its own 10-year median of 29.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens & Northern stock overvalued right now?
Based on GuruFocus' analysis, Citizens & Northern (CZNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.89, compared to a current price of $23.61 — trading 13% above its estimated fair value. The current FCF Margin % is 23.47%, which is 22% below median its 10-year median of 29.91 and 11.2% below the Banks industry median of 26.44. Citizens & Northern's overall GF Score™ is 56/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizens & Northern (CZNC), the current FCF Margin % is 23.47% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens & Northern (CZNC) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens & Northern stock appears to be overvalued.
The current stock price of $23.61 is trading 13% above its estimated GF Value™ of $20.89.
GuruFocus considers Citizens & Northern to be Modestly Overvalued.
Key valuation signals for CZNC:
FCF Margin %: 23.47% (22% below median its 10-year median of 29.91)
GF Value™: $20.89 vs. price of $23.61 (13% above fair value)
Industry Position: 11.2% below the Banks median (#688 of 1506)
No single metric tells the full story. See the CZNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
56GF Score
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