Citizens & Northern Corp (CZNC) — Financial Flexibility Index
Citizens & Northern Corp (CZNC) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of $12.15 Million (operating CF $10.58 Million minus capex $1.57 Million) represents 0% of total liabilities ($2.79 Billion). Also explore how fast is Citizens & Northern Corp growing its equity to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Citizens & Northern Corp Financial Flexibility Index (1994–2025)
Historical Financial Flexibility Index trend for Citizens & Northern Corp across 32 annual periods. Check Citizens & Northern Corp PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for Citizens & Northern Corp (1994–2025)
Year-by-year free cash flow to debt coverage for Citizens & Northern Corp. For the full company profile including market capitalisation, see market cap of Citizens & Northern Corp.
| 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 | — |