Citizens & Northern Corp (CZNC) — Free Cash Flow Generation Index
Citizens & Northern Corp (CZNC) has a Free Cash Flow Generation Index of 0.85x as of December 2025. Free cash flow of $9.01 Million represents 1% of operating cash flow ($10.58 Million). See how liquid is Citizens & Northern Corp's working capital to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Citizens & Northern Corp Free Cash Flow Generation Index (1994–2025)
Historical FCF Generation Index trend for Citizens & Northern Corp across 32 annual periods. Explore CZNC debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Citizens & Northern Corp (1994–2025)
Year-by-year Free Cash Flow Generation Index for Citizens & Northern Corp. For the full company profile including market capitalisation, see Citizens & Northern Corp (CZNC) market capitalisation.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.94x | $30.10 Million | $32.00 Million | $1.91 Million | ▼ -0.2% |
| 2024 | 0.94x | $31.13 Million | $33.03 Million | $1.91 Million | ▲ +1.1% |
| 2023 | 0.93x | $31.28 Million | $33.55 Million | $2.27 Million | ▲ +3.0% |
| 2022 | 0.90x | $31.31 Million | $34.60 Million | $3.29 Million | ▼ -4.4% |
| 2021 | 0.95x | $32.98 Million | $34.84 Million | $1.86 Million | ▲ +8.4% |
| 2020 | 0.87x | $21.65 Million | $24.78 Million | $3.14 Million | ▲ +0.1% |
| 2019 | 0.87x | $19.59 Million | $22.46 Million | $2.87 Million | ▼ -8.7% |
| 2018 | 0.95x | $24.73 Million | $25.89 Million | $1.17 Million | ▲ +4.7% |
| 2017 | 0.91x | $17.68 Million | $19.37 Million | $1.70 Million | ▼ -0.2% |
| 2016 | 0.91x | $16.93 Million | $18.51 Million | $1.58 Million | ▼ -3.4% |
| 2015 | 0.95x | $18.65 Million | $19.69 Million | $1.04 Million | ▼ -1.7% |
| 2014 | 0.96x | $21.48 Million | $22.28 Million | $801.00K | ▼ -1.0% |
| 2013 | 0.97x | $29.77 Million | $30.57 Million | $801.00K | ▲ +3.4% |
| 2012 | 0.94x | $26.03 Million | $27.65 Million | $1.62 Million | ▼ -3.3% |
| 2011 | 0.97x | $36.47 Million | $37.46 Million | $998.00K | ▼ -0.7% |
| 2010 | 0.98x | $34.34 Million | $35.05 Million | $707.00K | ▲ +8.5% |
| 2009 | 0.90x | $11.71 Million | $12.97 Million | $1.25 Million | ▼ -4.4% |
| 2008 | 0.94x | $17.12 Million | $18.12 Million | $998.00K | ▲ +24.8% |
| 2007 | 0.76x | $7.53 Million | $9.95 Million | $2.42 Million | ▲ +16.0% |
| 2006 | 0.65x | $6.61 Million | $10.13 Million | $3.52 Million | ▲ +24.5% |
| 2005 | 0.52x | $7.40 Million | $14.12 Million | $6.71 Million | ▼ -13.9% |
| 2004 | 0.61x | $9.08 Million | $14.91 Million | $5.83 Million | ▼ -20.9% |
| 2003 | 0.77x | $11.23 Million | $14.59 Million | $3.36 Million | ▼ -10.9% |
| 2002 | 0.86x | $10.88 Million | $12.60 Million | $1.71 Million | ▲ +9.1% |
| 2001 | 0.79x | $7.36 Million | $9.30 Million | $1.94 Million | ▲ +17.8% |
| 2000 | 0.67x | $4.98 Million | $7.41 Million | $2.43 Million | ▼ -17.8% |
| 1999 | 0.82x | $6.98 Million | $8.52 Million | $1.55 Million | ▼ -4.7% |
| 1998 | 0.86x | $9.10 Million | $10.60 Million | $1.50 Million | ▼ -7.0% |
| 1997 | 0.92x | $9.99 Million | $10.82 Million | $834.00K | ▼ -2.6% |
| 1996 | 0.95x | $10.42 Million | $11.00 Million | $582.00K | ▲ +1.8% |
| 1995 | 0.93x | $8.45 Million | $9.09 Million | $637.00K | ▲ +20.8% |
| 1994 | 0.77x | $7.07 Million | $9.18 Million | $2.11 Million | — |