Citizens & Northern Corp (CZNC) - Cash Flow Conversion Efficiency
Based on the latest financial reports, Citizens & Northern Corp (CZNC) has a cash flow conversion efficiency ratio of 0.026x as of March 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 ($8.65 Million) by net assets ($335.56 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See Citizens & Northern Corp balance sheet quality to measure how much of total assets are equity-financed.
Citizens & Northern Corp - Cash Flow Conversion Efficiency Trend (1994–2025)
This chart illustrates how Citizens & Northern Corp's cash flow conversion efficiency has evolved over time, based on yearly financial data. Check cash flow quality index of Citizens & Northern Corp to evaluate the quality of earnings relative to operating cash generation.
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.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Ege Profil Ticaret ve Sanayi AS
IS:EGPRO
|
0.038x |
|
Qtone Education Group Guangdong Ltd
SHE:300359
|
-0.005x |
|
Shenzhen Zhilai Sci and Tech Co Ltd
SHE:300771
|
0.048x |
|
Eson Precision Ind Co Ltd
TW:5243
|
0.063x |
|
Fondul Proprietatea SA
RO:FP
|
N/A |
|
HaiXin Foods Co Ltd
SHE:002702
|
0.122x |
|
Shanghai Jinfeng Wine Co Ltd
SHG:600616
|
0.004x |
|
Shoe Station Group Inc.
NASDAQ:SHOE
|
0.034x |
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. For the full company profile with market capitalisation and key ratios, see Citizens & Northern Corp (CZNC) total market value.
| 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