Citizens & Northern Corp (CZNC) — Cash Flow Quality Index
Citizens & Northern Corp (CZNC) has a Cash Flow Quality Index of 31.70x as of March 2026. Operating cash flow of $8.65 Million exceeds net income of $273.00K, indicating high earnings quality where cash backs reported profits. Explore CZNC cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Citizens & Northern Corp Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for Citizens & Northern Corp across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check total reinvestment intensity of Citizens & Northern Corp to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Citizens & Northern Corp (1994–2025)
Year-by-year earnings quality comparison for Citizens & Northern Corp. For live market cap and the full company financial profile, see CZNC market cap.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.37x | $32.00 Million | $23.43 Million | ▲ +7.3% |
| 2024 | 1.27x | $33.03 Million | $25.96 Million | ▼ -8.4% |
| 2023 | 1.39x | $33.55 Million | $24.15 Million | ▲ +6.9% |
| 2022 | 1.30x | $34.60 Million | $26.62 Million | ▲ +14.0% |
| 2021 | 1.14x | $34.84 Million | $30.55 Million | ▼ -11.6% |
| 2020 | 1.29x | $24.78 Million | $19.22 Million | ▲ +12.0% |
| 2019 | 1.15x | $22.46 Million | $19.50 Million | ▼ -2.1% |
| 2018 | 1.18x | $25.89 Million | $22.01 Million | ▼ -18.4% |
| 2017 | 1.44x | $19.37 Million | $13.43 Million | ▲ +22.8% |
| 2016 | 1.17x | $18.51 Million | $15.76 Million | ▼ -1.7% |
| 2015 | 1.20x | $19.69 Million | $16.47 Million | ▼ -8.3% |
| 2014 | 1.30x | $22.28 Million | $17.09 Million | ▼ -20.7% |
| 2013 | 1.64x | $30.57 Million | $18.59 Million | ▲ +35.0% |
| 2012 | 1.22x | $27.65 Million | $22.70 Million | ▼ -24.0% |
| 2011 | 1.60x | $37.46 Million | $23.37 Million | ▼ -12.8% |
| 2010 | 1.84x | $35.05 Million | $19.05 Million | ▲ +2.1% |
| 2008 | 1.80x | $18.12 Million | $10.06 Million | ▲ +88.8% |
| 2007 | 0.95x | $9.95 Million | $10.42 Million | ▲ +12.9% |
| 2006 | 0.85x | $10.13 Million | $11.99 Million | ▼ -22.2% |
| 2005 | 1.09x | $14.12 Million | $12.98 Million | ▲ +8.4% |
| 2004 | 1.00x | $14.91 Million | $14.86 Million | ▲ +11.8% |
| 2003 | 0.90x | $14.59 Million | $16.26 Million | ▲ +6.6% |
| 2002 | 0.84x | $12.60 Million | $14.96 Million | ▲ +9.2% |
| 2001 | 0.77x | $9.30 Million | $12.05 Million | ▼ -11.7% |
| 2000 | 0.87x | $7.41 Million | $8.48 Million | ▲ +17.7% |
| 1999 | 0.74x | $8.52 Million | $11.48 Million | ▼ -22.3% |
| 1998 | 0.95x | $10.60 Million | $11.10 Million | ▼ -10.8% |
| 1997 | 1.07x | $10.82 Million | $10.11 Million | ▼ -9.9% |
| 1996 | 1.19x | $11.00 Million | $9.26 Million | ▲ +2.9% |
| 1995 | 1.16x | $9.09 Million | $7.87 Million | ▼ -5.7% |
| 1994 | 1.22x | $9.18 Million | $7.49 Million | — |