Citizens & Northern Corp (CZNC) — Cash Flow Quality Index
Citizens & Northern Corp (CZNC) has a Cash Flow Quality Index of 2.37x as of December 2025. Operating cash flow of $10.58 Million exceeds net income of $4.47 Million, indicating high earnings quality where cash backs reported profits. Explore Citizens & Northern Corp long-term investment intensity to see how much of total assets are deployed in long-term investments.
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 how tangible is Citizens & Northern Corp's equity to evaluate the tangible quality of the company's equity base.
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 market cap of Citizens & Northern Corp.
| 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 | — |