TipRanks
Citizens Community Bancorp (CZWI)
NASDAQ:CZWI
US Market
CZWI
Citizens Community Bancorp
RESEARCH TOOLSreports
Want to see CZWI full AI Analyst Report?

Citizens Community Bancorp (CZWI) Ratios

105 Followers

Citizens Community Bancorp Ratios

CZWI's free cash flow for Q2 2026 was $0.61. For the 2026 fiscal year, CZWI's free cash flow was decreased by $ and operating cash flow was $-0.06. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.08 0.13 0.09 0.07 0.03
Quick Ratio
 0.08 0.13 0.09 0.07 0.03
Cash Ratio
 0.08 0.08 0.03 0.02 0.02
Solvency Ratio
 <0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.01 <0.01 0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 4.04 0.17 0.21
Net Current Asset Value
$ -1.50B$ -1.40B$ -1.44B$ -1.56B$ -1.61B
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.04 0.08 0.12
Debt-to-Equity Ratio
 0.27 0.28 0.37 0.85 1.29
Debt-to-Capital Ratio
 0.21 0.22 0.27 0.46 0.56
Long-Term Debt-to-Capital Ratio
 0.21 0.22 0.26 0.28 0.30
Financial Leverage Ratio
 9.48 9.48 9.76 10.68 10.87
Debt Service Coverage Ratio
 0.06 0.17 0.36 0.15 0.14
Interest Coverage Ratio
 0.04 0.16 0.40 0.53 1.81
Debt to Market Cap
 0.25 0.30 0.40 1.20 1.70
Interest Debt Per Share
 8.91 9.36 10.76 17.47 21.70
Net Debt to EBITDA
 -15.12 -7.02 0.79 4.85 6.50
Profitability Margins
Gross Profit Margin
55.66%54.68%59.80%62.49%81.92%
EBIT Margin
1.78%7.01%17.55%20.05%29.39%
EBITDA Margin
5.28%10.60%20.99%24.01%34.42%
Operating Profit Margin
1.78%7.01%17.55%20.05%29.39%
Pretax Profit Margin
17.47%19.36%17.55%20.05%29.39%
Net Profit Margin
14.64%16.01%13.83%13.83%22.14%
Continuous Operations Profit Margin
14.64%16.01%13.83%13.83%22.14%
Net Income Per EBT
83.79%82.68%78.80%68.98%75.32%
EBT Per EBIT
983.22%276.23%100.00%100.00%100.00%
Return on Assets (ROA)
0.71%0.81%0.79%0.71%0.98%
Return on Equity (ROE)
6.77%7.67%7.68%7.53%10.63%
Return on Capital Employed (ROCE)
0.60%2.45%6.83%7.49%9.47%
Return on Invested Capital (ROIC)
0.50%2.03%5.28%3.93%4.53%
Return on Tangible Assets
0.72%0.83%0.80%0.72%1.00%
Earnings Yield
5.97%8.34%8.28%10.65%14.05%
Efficiency Ratios
Receivables Turnover
 14.16 14.70 17.59 17.46 15.18
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.02 5.51 5.82 5.14 3.91
Asset Turnover
 0.05 0.05 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.14 -0.07 -0.07 -0.06 -0.05
Cash Conversion Cycle
 25.77 24.83 20.75 20.91 24.05
Days of Sales Outstanding
 25.77 24.83 20.75 20.91 24.05
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 25.77 24.83 20.75 20.91 24.05
Cash Flow Ratios
Operating Cash Flow Per Share
 2.23 1.20 1.98 1.25 2.79
Free Cash Flow Per Share
 2.14 1.07 1.89 1.12 2.45
CapEx Per Share
 0.10 0.14 0.09 0.13 0.34
Free Cash Flow to Operating Cash Flow
 0.96 0.89 0.96 0.90 0.88
Dividend Paid and CapEx Coverage Ratio
 2.19 2.38 4.76 2.98 4.62
Capital Expenditure Coverage Ratio
 22.72 8.92 22.70 9.60 8.13
Operating Cash Flow Coverage Ratio
 0.43 0.23 0.30 0.09 0.14
Operating Cash Flow to Sales Ratio
 0.26 0.13 0.20 0.14 0.37
Free Cash Flow Yield
10.36%6.00%11.61%9.59%20.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 16.34 12.21 12.08 9.39 7.12
Price-to-Sales (P/S) Ratio
 2.36 1.92 1.67 1.30 1.58
Price-to-Book (P/B) Ratio
 1.12 0.92 0.93 0.71 0.76
Price-to-Free Cash Flow (P/FCF) Ratio
 9.65 16.66 8.61 10.43 4.92
Price-to-Operating Cash Flow Ratio
 9.59 14.79 8.23 9.34 4.31
Price-to-Earnings Growth (PEG) Ratio
 2.90 1.36 1.68 -0.36 -0.49
Enterprise Value Multiple
 29.57 11.09 8.75 10.25 11.07
Enterprise Value
 136.60M 105.93M 182.56M 232.45M 305.70M
EV to EBITDA
 29.57 11.09 8.75 10.25 11.07
EV to Sales
 1.56 1.18 1.84 2.46 3.81
EV to Free Cash Flow
 6.39 10.20 9.47 19.77 11.90
EV to Operating Cash Flow
 6.10 9.06 9.05 17.71 10.44
Tangible Book Value Per Share
 15.94 15.72 14.02 13.02 12.27
Shareholders’ Equity Per Share
 19.10 19.36 17.56 16.56 15.91
Tax and Other Ratios
Effective Tax Rate
 0.16 0.17 0.21 0.31 0.25
Revenue Per Share
 8.74 9.28 9.75 9.02 7.64
Net Income Per Share
 1.28 1.49 1.35 1.25 1.69
Tax Burden
 0.84 0.83 0.79 0.69 0.75
Interest Burden
 9.83 2.76 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.37 0.29 0.24 0.23 0.28
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 0.00 <0.01
Income Quality
 1.75 0.81 1.47 1.00 1.65
Currency in USD