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 (CZNC) liquidity interval to measure how many days the company can operate on defensive assets alone.
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.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Mirrabooka Investments Ltd
AU:MIR
|
-0.001x |
|
Zhejiang Zhe Kuang Heavy Industry
SHE:300837
|
0.010x |
|
I.C.C. International Public Company Limited
BK:ICC
|
0.007x |
|
Whitefield Industrials Ltd
AU:WHF
|
0.017x |
|
Blade Air Mobility Inc
NASDAQ:BLDE
|
-0.014x |
|
Swancor Holding Co Ltd
TW:3708
|
-0.053x |
|
Hagag Group
TA:HGG
|
0.146x |
|
Citi Trends Inc
NASDAQ:CTRN
|
0.168x |
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 CZNC market cap overview.
| 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