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STOCKS

Citizens Community (CZWI)

:CZWI

CZWI

Citizens Community Bancorp

RESEARCH TOOLSreports

Citizens Community Bancorp (CZWI) Ratios

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102 Followers

Citizens Community Bancorp Ratios

CZWI's free cash flow for Q3 2025 was $-0.73. For the 2025 fiscal year, CZWI's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.08	0.03	0.26	0.34
Quick Ratio	0.00	0.08	0.07	0.32	0.51
Cash Ratio	0.00	0.02	0.03	0.05	0.16
Solvency Ratio	<0.01	0.01	0.01	0.15	0.09
Operating Cash Flow Ratio	0.00	<0.01	0.02	0.02	0.03
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -13.12M	$ -1.56B	$ -1.61B	$ 86.23M	$ 91.25M
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.08	0.12	0.10	0.11
Debt-to-Equity Ratio	0.00	0.85	1.29	0.99	1.13
Debt-to-Capital Ratio	0.00	0.46	0.56	0.50	0.53
Long-Term Debt-to-Capital Ratio	0.00	0.46	0.37	0.50	0.53
Financial Leverage Ratio	9.24	10.68	10.87	10.18	10.27
Debt Service Coverage Ratio	0.60	0.47	1.67	2.44	1.54
Interest Coverage Ratio	0.08	0.53	3.01	2.79	1.21
Debt to Market Cap	0.00	1.20	0.77	1.15	1.50
Interest Debt Per Share	3.80	17.47	21.70	16.83	17.57
Net Debt to EBITDA	-3.18	4.85	6.50	3.66	2.21
Profitability Margins
Gross Profit Margin	31.07%	62.49%	100.00%	100.00%	100.00%
EBIT Margin	12.47%	20.05%	35.09%	41.55%	29.09%
EBITDA Margin	28.04%	24.01%	41.09%	47.35%	38.78%
Operating Profit Margin	3.47%	20.05%	58.32%	41.55%	25.26%
Pretax Profit Margin	17.22%	20.05%	35.09%	41.55%	25.26%
Net Profit Margin	13.91%	13.83%	26.43%	30.52%	18.60%
Continuous Operations Profit Margin	2.92%	13.83%	26.43%	30.52%	18.60%
Net Income Per EBT	80.75%	68.98%	75.32%	73.43%	73.64%
EBT Per EBIT	495.76%	100.00%	60.17%	100.00%	100.00%
Return on Assets (ROA)	0.74%	0.71%	0.98%	1.22%	0.77%
Return on Equity (ROE)	7.05%	7.53%	10.63%	12.45%	7.93%
Return on Capital Employed (ROCE)	0.19%	5.70%	6.63%	3.78%	2.02%
Return on Invested Capital (ROIC)	0.16%	3.93%	-3.49%	-5.82%	-4.95%
Return on Tangible Assets	0.76%	0.72%	1.00%	1.25%	0.79%
Earnings Yield	7.94%	10.65%	14.05%	14.41%	10.47%
Efficiency Ratios
Receivables Turnover	0.07	17.46	12.71	17.80	12.10
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	5.69	5.14	3.28	3.29	3.23
Asset Turnover	0.05	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	0.12	-0.07	-0.07	-0.11	-0.12
Cash Conversion Cycle	5.16K	20.91	28.71	20.51	30.16
Days of Sales Outstanding	5.16K	20.91	28.71	20.51	30.16
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	5.16K	20.91	28.71	20.51	30.16
Cash Flow Ratios
Operating Cash Flow Per Share	0.73	1.25	2.79	2.02	2.13
Free Cash Flow Per Share	0.69	1.12	2.45	1.66	1.90
CapEx Per Share	0.04	0.13	0.34	0.35	0.23
Free Cash Flow to Operating Cash Flow	0.95	0.90	0.88	0.83	0.89
Dividend Paid and CapEx Coverage Ratio	0.67	2.98	4.62	3.43	4.81
Capital Expenditure Coverage Ratio	20.04	9.60	8.13	5.72	9.24
Operating Cash Flow Coverage Ratio	0.00	0.09	0.14	0.13	0.13
Operating Cash Flow to Sales Ratio	0.08	0.14	0.44	0.31	0.35
Free Cash Flow Yield	4.27%	9.59%	20.33%	12.08%	17.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.59	9.39	7.12	6.94	9.55
Price-to-Sales (P/S) Ratio	1.75	1.30	1.88	2.12	1.78
Price-to-Book (P/B) Ratio	0.87	0.71	0.76	0.86	0.76
Price-to-Free Cash Flow (P/FCF) Ratio	23.43	10.43	4.92	8.28	5.73
Price-to-Operating Cash Flow Ratio	22.30	9.34	4.31	6.83	5.11
Price-to-Earnings Growth (PEG) Ratio	-0.16	-0.36	-0.49	0.09	0.28
Price-to-Fair Value	0.87	0.71	0.76	0.86	0.76
Enterprise Value Multiple	3.05	10.25	11.07	8.13	6.79
Enterprise Value	79.10M	232.45M	305.70M	268.32M	180.18M
EV to EBITDA	3.05	10.25	11.07	8.13	6.79
EV to Sales	0.86	2.46	4.55	3.85	2.63
EV to Free Cash Flow	11.47	19.77	11.90	15.06	8.49
EV to Operating Cash Flow	10.90	17.71	10.44	12.42	7.58
Tangible Book Value Per Share	15.49	13.02	12.27	142.77	127.85
Shareholders’ Equity Per Share	18.69	16.56	15.91	15.94	14.39
Tax and Other Ratios
Effective Tax Rate	0.19	0.31	0.25	0.27	0.26
Revenue Per Share	9.25	9.02	6.40	6.50	6.13
Net Income Per Share	1.29	1.25	1.69	1.98	1.14
Tax Burden	0.81	0.69	0.75	0.73	0.74
Interest Burden	1.38	1.00	1.00	1.00	0.87
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.21	0.23	0.34	0.33	0.37
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	0.58	1.00	1.65	1.02	1.87

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