Citizens & Northern Corp (CZNC) — Cash Flow Reinvestment Rate
Citizens & Northern Corp (CZNC) has a Cash Flow Reinvestment Rate of 5.84x as of December 2025, reinvesting $61.74 Million (capex $1.57 Million plus investments $60.17 Million) from operating cash flow of $10.58 Million. Explore Citizens & Northern Corp capex to cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Citizens & Northern Corp Cash Flow Reinvestment Rate (1994–2025)
Historical reinvestment intensity for Citizens & Northern Corp across 32 annual periods. Also explore how large is Citizens & Northern Corp's balance sheet for the complete picture of this company's asset base.
Annual Cash Flow Reinvestment Rate for Citizens & Northern Corp (1994–2025)
Year-by-year capital reinvestment analysis for Citizens & Northern Corp. For live market cap and broader valuation context, see Citizens & Northern Corp stock valuation.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.93x | $61.84 Million | $32.00 Million | $1.91 Million | ▲ +179.4% |
| 2024 | 0.69x | $22.84 Million | $33.03 Million | $1.91 Million | ▼ -58.2% |
| 2023 | 1.65x | $55.47 Million | $33.55 Million | $2.27 Million | ▼ -77.0% |
| 2022 | 7.20x | $249.14 Million | $34.60 Million | $3.29 Million | ▲ +130.8% |
| 2021 | 3.12x | $108.70 Million | $34.84 Million | $1.86 Million | ▲ +387.3% |
| 2020 | 0.64x | $15.87 Million | $24.78 Million | $3.14 Million | ▼ -16.9% |
| 2019 | 0.77x | $17.31 Million | $22.46 Million | $2.87 Million | ▼ -28.7% |
| 2018 | 1.08x | $28.01 Million | $25.89 Million | $1.17 Million | ▼ -35.5% |
| 2017 | 1.68x | $32.48 Million | $19.37 Million | $1.70 Million | ▼ -1.1% |
| 2016 | 1.70x | $31.38 Million | $18.51 Million | $1.58 Million | ▲ +108.6% |
| 2015 | 0.81x | $16.00 Million | $19.69 Million | $1.04 Million | ▲ +64.1% |
| 2014 | 0.50x | $11.03 Million | $22.28 Million | $801.00K | ▲ +48.6% |
| 2013 | 0.33x | $10.19 Million | $30.57 Million | $801.00K | ▼ -74.4% |
| 2012 | 1.30x | $36.04 Million | $27.65 Million | $1.62 Million | ▲ +1710.7% |
| 2011 | 0.07x | $2.70 Million | $37.46 Million | $998.00K | ▲ +256.9% |
| 2010 | 0.02x | $707.00K | $35.05 Million | $707.00K | ▼ -79.1% |
| 2009 | 0.10x | $1.25 Million | $12.97 Million | $1.25 Million | ▲ +75.4% |
| 2008 | 0.06x | $998.00K | $18.12 Million | $998.00K | ▼ -77.3% |
| 2007 | 0.24x | $2.42 Million | $9.95 Million | $2.42 Million | ▼ -30.0% |
| 2006 | 0.35x | $3.52 Million | $10.13 Million | $3.52 Million | ▼ -27.0% |
| 2005 | 0.48x | $6.71 Million | $14.12 Million | $6.71 Million | ▲ +21.6% |
| 2004 | 0.39x | $5.83 Million | $14.91 Million | $5.83 Million | ▲ +69.8% |
| 2003 | 0.23x | $3.36 Million | $14.59 Million | $3.36 Million | ▲ +69.4% |
| 2002 | 0.14x | $1.71 Million | $12.60 Million | $1.71 Million | ▼ -34.7% |
| 2001 | 0.21x | $1.94 Million | $9.30 Million | $1.94 Million | ▼ -36.4% |
| 2000 | 0.33x | $2.43 Million | $7.41 Million | $2.43 Million | ▲ +80.5% |
| 1999 | 0.18x | $1.55 Million | $8.52 Million | $1.55 Million | ▲ +28.1% |
| 1998 | 0.14x | $1.50 Million | $10.60 Million | $1.50 Million | ▲ +83.9% |
| 1997 | 0.08x | $834.00K | $10.82 Million | $834.00K | ▲ +45.7% |
| 1996 | 0.05x | $582.00K | $11.00 Million | $582.00K | ▼ -24.5% |
| 1995 | 0.07x | $637.00K | $9.09 Million | $637.00K | ▼ -69.5% |
| 1994 | 0.23x | $2.11 Million | $9.18 Million | $2.11 Million | — |