Citizens & Northern Corp (CZNC) — Cash Flow Quality Index
Citizens & Northern Corp (CZNC) has a Cash Flow Quality Index of 1.10x as of June 2026. Operating cash flow of $15.42 Million exceeds net income of $14.06 Million, indicating high earnings quality where cash backs reported profits. Explore CZNC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see CZNC cash generation efficiency.
Annual Cash Flow Quality Index for Citizens & Northern Corp (1994–2025)
Year-by-year earnings quality comparison for 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 | — |