Citizens & Northern Corp Financial Flexibility Index
Citizens & Northern Corp financial flexibility index. Citizens & Northern Corp (CZNC) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $15.61 Million (operating CF $15.42 Million minus capex $188.00K) represents 0% of total liabilities ($2.81 Billion). See Citizens & Northern Corp (CZNC) FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Citizens & Northern Corp (1994–2025)
Financial flexibility index of Citizens & Northern Corp from 1994 to 2025. Historical Financial Flexibility Index trend for Citizens & Northern Corp across 32 annual periods. Check earnings quality score of Citizens & Northern Corp to evaluate the quality of earnings relative to operating cash generation.
Citizens & Northern Corp Financial Flexibility Index by Year (1994–2025)
Citizens & Northern Corp financial flexibility index by year from 1994 to 2025. Year-by-year free cash flow to debt coverage for Citizens & Northern Corp. For the full cash flow conversion analysis, see Citizens & Northern Corp cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $33.91 Million | $32.00 Million | $2.79 Billion | ▼ -18.8% |
| 2024 | 0.01x | $34.94 Million | $33.03 Million | $2.34 Billion | ▼ -5.9% |
| 2023 | 0.02x | $35.81 Million | $33.55 Million | $2.25 Billion | ▼ -7.5% |
| 2022 | 0.02x | $37.89 Million | $34.60 Million | $2.20 Billion | ▼ -5.2% |
| 2021 | 0.02x | $36.71 Million | $34.84 Million | $2.03 Billion | ▲ +25.8% |
| 2020 | 0.01x | $27.92 Million | $24.78 Million | $1.94 Billion | ▼ -19.9% |
| 2019 | 0.02x | $25.33 Million | $22.46 Million | $1.41 Billion | ▼ -27.4% |
| 2018 | 0.02x | $27.06 Million | $25.89 Million | $1.09 Billion | ▲ +27.8% |
| 2017 | 0.02x | $21.07 Million | $19.37 Million | $1.09 Billion | ▲ +1.8% |
| 2016 | 0.02x | $20.09 Million | $18.51 Million | $1.06 Billion | ▼ -4.9% |
| 2015 | 0.02x | $20.73 Million | $19.69 Million | $1.04 Billion | ▼ -8.7% |
| 2014 | 0.02x | $23.08 Million | $22.28 Million | $1.05 Billion | ▼ -26.1% |
| 2013 | 0.03x | $31.37 Million | $30.57 Million | $1.06 Billion | ▲ +11.8% |
| 2012 | 0.03x | $29.27 Million | $27.65 Million | $1.10 Billion | ▼ -20.3% |
| 2011 | 0.03x | $38.46 Million | $37.46 Million | $1.16 Billion | ▲ +9.6% |
| 2010 | 0.03x | $35.75 Million | $35.05 Million | $1.18 Billion | ▲ +149.6% |
| 2009 | 0.01x | $14.22 Million | $12.97 Million | $1.17 Billion | ▼ -26.2% |
| 2008 | 0.02x | $19.11 Million | $18.12 Million | $1.16 Billion | ▲ +52.8% |
| 2007 | 0.01x | $12.36 Million | $9.95 Million | $1.15 Billion | ▼ -21.2% |
| 2006 | 0.01x | $13.65 Million | $10.13 Million | $997.48 Million | ▼ -32.3% |
| 2005 | 0.02x | $20.83 Million | $14.12 Million | $1.03 Billion | ▼ -3.4% |
| 2004 | 0.02x | $20.74 Million | $14.91 Million | $991.42 Million | ▲ +9.7% |
| 2003 | 0.02x | $17.95 Million | $14.59 Million | $941.56 Million | ▲ +20.3% |
| 2002 | 0.02x | $14.31 Million | $12.60 Million | $902.93 Million | ▲ +8.2% |
| 2001 | 0.01x | $11.23 Million | $9.30 Million | $766.81 Million | ▼ -6.1% |
| 2000 | 0.02x | $9.83 Million | $7.41 Million | $630.37 Million | ▼ -2.5% |
| 1999 | 0.02x | $10.07 Million | $8.52 Million | $629.27 Million | ▼ -26.5% |
| 1998 | 0.02x | $12.10 Million | $10.60 Million | $555.70 Million | ▼ -1.0% |
| 1997 | 0.02x | $11.65 Million | $10.82 Million | $529.82 Million | ▲ +2.3% |
| 1996 | 0.02x | $11.58 Million | $11.00 Million | $538.60 Million | ▲ +14.8% |
| 1995 | 0.02x | $9.72 Million | $9.09 Million | $519.01 Million | ▼ -17.1% |
| 1994 | 0.02x | $11.29 Million | $9.18 Million | $499.68 Million | — |