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 0.045x 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. Also see market value of Citizens & Northern Corp for the company's overall valuation and market capitalisation.
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.
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. Explore CZNC cash flow quality score to measure how well operating cash flow supports reported net income.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Shanghai Model Organisms Center Inc
SHG:688265
|
0.009x |
|
Tegma Gestão Logística S.A
SA:TGMA3
|
0.022x |
|
Shenzhen Nanshan Power Co Ltd
SHE:000037
|
0.008x |
|
SUNIC SYSTEM Co. Ltd
KQ:171090
|
0.154x |
|
Luxfer Holdings PLC
NYSE:LXFR
|
-0.018x |
|
Qingdao Huijintong Power
SHG:603577
|
-0.017x |
|
Suzhou Sonavox Electronics Co. Ltd. A
SHG:688533
|
0.090x |
|
John Mattson Fastighetsforetagen AB
ST:JOMA
|
0.008x |
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. View CZNC share price today for real-time trading data and today's change.
| 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