Citizens & Northern Corp (CZNC) — Cash Flow-to-Debt Ratio
Citizens & Northern Corp (CZNC) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $10.58 Million could theoretically repay 0% of its total liabilities ($2.79 Billion) in one year. See Citizens & Northern Corp free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Citizens & Northern Corp Cash Flow-to-Debt Ratio (1994–2025)
Historical debt coverage capacity for Citizens & Northern Corp across 32 annual periods. Also explore net asset growth rate of Citizens & Northern Corp to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Citizens & Northern Corp (1994–2025)
Year-by-year debt coverage analysis for Citizens & Northern Corp. For market capitalisation and broader financial context, see CZNC market cap overview.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $32.00 Million | $2.79 Billion | ▼ -18.9% |
| 2024 | 0.01x | $33.03 Million | $2.34 Billion | ▼ -5.0% |
| 2023 | 0.01x | $33.55 Million | $2.25 Billion | ▼ -5.1% |
| 2022 | 0.02x | $34.60 Million | $2.20 Billion | ▼ -8.8% |
| 2021 | 0.02x | $34.84 Million | $2.03 Billion | ▲ +34.6% |
| 2020 | 0.01x | $24.78 Million | $1.94 Billion | ▼ -19.8% |
| 2019 | 0.02x | $22.46 Million | $1.41 Billion | ▼ -32.7% |
| 2018 | 0.02x | $25.89 Million | $1.09 Billion | ▲ +33.0% |
| 2017 | 0.02x | $19.37 Million | $1.09 Billion | ▲ +1.6% |
| 2016 | 0.02x | $18.51 Million | $1.06 Billion | ▼ -7.8% |
| 2015 | 0.02x | $19.69 Million | $1.04 Billion | ▼ -10.1% |
| 2014 | 0.02x | $22.28 Million | $1.05 Billion | ▼ -26.8% |
| 2013 | 0.03x | $30.57 Million | $1.06 Billion | ▲ +15.4% |
| 2012 | 0.03x | $27.65 Million | $1.10 Billion | ▼ -22.7% |
| 2011 | 0.03x | $37.46 Million | $1.16 Billion | ▲ +8.9% |
| 2010 | 0.03x | $35.05 Million | $1.18 Billion | ▲ +168.4% |
| 2009 | 0.01x | $12.97 Million | $1.17 Billion | ▼ -29.0% |
| 2008 | 0.02x | $18.12 Million | $1.16 Billion | ▲ +80.0% |
| 2007 | 0.01x | $9.95 Million | $1.15 Billion | ▼ -14.5% |
| 2006 | 0.01x | $10.13 Million | $997.48 Million | ▼ -25.8% |
| 2005 | 0.01x | $14.12 Million | $1.03 Billion | ▼ -8.9% |
| 2004 | 0.02x | $14.91 Million | $991.42 Million | ▼ -3.0% |
| 2003 | 0.02x | $14.59 Million | $941.56 Million | ▲ +11.1% |
| 2002 | 0.01x | $12.60 Million | $902.93 Million | ▲ +15.1% |
| 2001 | 0.01x | $9.30 Million | $766.81 Million | ▲ +3.2% |
| 2000 | 0.01x | $7.41 Million | $630.37 Million | ▼ -13.3% |
| 1999 | 0.01x | $8.52 Million | $629.27 Million | ▼ -29.0% |
| 1998 | 0.02x | $10.60 Million | $555.70 Million | ▼ -6.6% |
| 1997 | 0.02x | $10.82 Million | $529.82 Million | ▲ +0.0% |
| 1996 | 0.02x | $11.00 Million | $538.60 Million | ▲ +16.7% |
| 1995 | 0.02x | $9.09 Million | $519.01 Million | ▼ -4.7% |
| 1994 | 0.02x | $9.18 Million | $499.68 Million | — |