Citizens & Northern Corp Cash Flow Conversion Efficiency
Citizens & Northern Corp cash flow conversion efficiency. Based on the latest financial reports, Citizens & Northern Corp (CZNC) has a cash flow conversion efficiency ratio of 0.045x as of June 2026. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($15.42 Million) by net assets ($346.14 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Cash Flow Conversion Efficiency of Citizens & Northern Corp (1994–2025)
Cash flow conversion efficiency of Citizens & Northern Corp from 1994 to 2025. This chart illustrates how Citizens & Northern Corp's cash flow conversion efficiency has evolved over time, based on yearly financial data. View latest Citizens & Northern Corp stock price today for real-time trading data and today's change.
Citizens & Northern Corp Cash Flow Conversion Ratio Explained
Citizens & Northern Corp cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
Citizens & Northern Corp Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Citizens & Northern Corp ranked by their cash flow conversion efficiency. Also see how much is Citizens & Northern Corp worth for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
DOUBLED.INTERAC.SP.ADS/20
F:DDI
|
0.045x |
|
Gansu Golden Glass Technologies Co Ltd
SHE:300093
|
0.043x |
|
Bannari Amman Sugars Limited
NSE:BANARISUG
|
0.130x |
|
Grupo Supervielle S.A
F:189A
|
0.176x |
|
Haixia Envrnmnt
SHG:603817
|
0.015x |
|
Chongqing Yukaifa Co Ltd
SHE:000514
|
0.003x |
|
Concord International Securities Co Ltd
TWO:5864
|
-0.119x |
|
Materials Analysis Technology
TWO:3587
|
0.065x |
Annual Cash Flow Conversion Efficiency for Citizens & Northern Corp (1994–2025)
The table below shows the annual cash flow conversion efficiency of Citizens & Northern Corp from 1994 to 2025. Review CZNC cash flow after capex ratio to assess how much free cash flow the company generates relative to operating cash flow.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $341.71 Million | $32.00 Million | 0.094x | -21.96% |
| 2024-12-31 | $275.28 Million | $33.03 Million | 0.120x | -6.14% |
| 2023-12-31 | $262.38 Million | $33.55 Million | 0.128x | -7.86% |
| 2022-12-31 | $249.32 Million | $34.60 Million | 0.139x | +20.04% |
| 2021-12-31 | $301.40 Million | $34.84 Million | 0.116x | +39.82% |
| 2020-12-31 | $299.76 Million | $24.78 Million | 0.083x | -10.02% |
| 2019-12-31 | $244.45 Million | $22.46 Million | 0.092x | -29.96% |
| 2018-12-31 | $197.37 Million | $25.89 Million | 0.131x | +27.60% |
| 2017-12-31 | $188.44 Million | $19.37 Million | 0.103x | +3.32% |
| 2016-12-31 | $186.01 Million | $18.51 Million | 0.100x | -5.23% |
| 2015-12-31 | $187.49 Million | $19.69 Million | 0.105x | -11.23% |
| 2014-12-31 | $188.36 Million | $22.28 Million | 0.118x | -30.56% |
| 2013-12-31 | $179.47 Million | $30.57 Million | 0.170x | +12.60% |
| 2012-12-31 | $182.79 Million | $27.65 Million | 0.151x | -32.41% |
| 2011-12-31 | $167.38 Million | $37.46 Million | 0.224x | -11.26% |
| 2010-12-31 | $138.94 Million | $35.05 Million | 0.252x | +196.44% |
| 2009-12-31 | $152.41 Million | $12.97 Million | 0.085x | -42.69% |
| 2008-12-31 | $122.03 Million | $18.12 Million | 0.148x | +105.67% |
| 2007-12-31 | $137.78 Million | $9.95 Million | 0.072x | -7.45% |
| 2006-12-31 | $129.89 Million | $10.13 Million | 0.078x | -27.08% |
| 2005-12-31 | $131.97 Million | $14.12 Million | 0.107x | -5.59% |
| 2004-12-31 | $131.59 Million | $14.91 Million | 0.113x | -2.67% |
| 2003-12-31 | $125.34 Million | $14.59 Million | 0.116x | +7.05% |
| 2002-12-31 | $115.84 Million | $12.60 Million | 0.109x | +17.19% |
| 2001-12-31 | $100.19 Million | $9.30 Million | 0.093x | +11.45% |
| 2000-12-31 | $88.97 Million | $7.41 Million | 0.083x | -25.16% |
| 1999-12-31 | $76.62 Million | $8.52 Million | 0.111x | -4.92% |
| 1998-12-31 | $90.60 Million | $10.60 Million | 0.117x | -7.52% |
| 1997-12-31 | $85.53 Million | $10.82 Million | 0.127x | -17.66% |
| 1996-12-31 | $71.59 Million | $11.00 Million | 0.154x | +13.26% |
| 1995-12-31 | $66.98 Million | $9.09 Million | 0.136x | -30.85% |
| 1994-12-31 | $46.80 Million | $9.18 Million | 0.196x | -- |
About Citizens & Northern Corp
Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certif… Read more