Want to see CZWI full AI Analyst Report?
Citizens Community Bancorp (CZWI) Ratios
Citizens Community Bancorp Ratios
CZWI's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, CZWI's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.13 | 0.09 | 0.07 | 0.03 | 0.04 |
| Quick Ratio | 0.13 | 0.09 | 0.07 | 0.03 | 0.04 |
| Cash Ratio | 0.08 | 0.03 | 0.02 | 0.02 | 0.03 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 4.04 | 0.17 | 0.21 | 0.19 |
| Net Current Asset Value | $ -1.40B | $ -1.44B | $ -1.56B | $ -1.61B | $ -1.52B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.04 | 0.08 | 0.12 | 0.10 |
| Debt-to-Equity Ratio | 0.28 | 0.37 | 0.85 | 1.29 | 0.99 |
| Debt-to-Capital Ratio | 0.22 | 0.27 | 0.46 | 0.56 | 0.50 |
| Long-Term Debt-to-Capital Ratio | 0.22 | 0.26 | 0.28 | 0.30 | 0.25 |
| Financial Leverage Ratio | 9.48 | 9.76 | 10.68 | 10.87 | 10.18 |
| Debt Service Coverage Ratio | 0.17 | 0.36 | 0.15 | 0.14 | 0.21 |
| Interest Coverage Ratio | 0.16 | 0.40 | 0.53 | 1.81 | 2.79 |
| Debt to Market Cap | 0.30 | 0.40 | 1.20 | 1.70 | 1.15 |
| Interest Debt Per Share | 9.36 | 10.76 | 17.47 | 21.70 | 16.83 |
| Net Debt to EBITDA | -7.02 | 0.79 | 4.85 | 6.50 | 3.66 |
| Profitability Margins | |||||
| Gross Profit Margin | 54.68% | 59.80% | 62.49% | 81.92% | 87.05% |
| EBIT Margin | 7.01% | 17.55% | 20.05% | 29.39% | 36.17% |
| EBITDA Margin | 10.60% | 20.99% | 24.01% | 34.42% | 41.22% |
| Operating Profit Margin | 7.01% | 17.55% | 20.05% | 29.39% | 36.17% |
| Pretax Profit Margin | 19.36% | 17.55% | 20.05% | 29.39% | 36.17% |
| Net Profit Margin | 16.01% | 13.83% | 13.83% | 22.14% | 26.56% |
| Continuous Operations Profit Margin | 16.01% | 13.83% | 13.83% | 22.14% | 26.56% |
| Net Income Per EBT | 82.68% | 78.80% | 68.98% | 75.32% | 73.43% |
| EBT Per EBIT | 276.23% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.81% | 0.79% | 0.71% | 0.98% | 1.22% |
| Return on Equity (ROE) | 7.67% | 7.68% | 7.53% | 10.63% | 12.45% |
| Return on Capital Employed (ROCE) | 2.45% | 6.83% | 7.49% | 9.47% | 12.04% |
| Return on Invested Capital (ROIC) | 2.03% | 5.28% | 3.93% | 4.53% | 6.04% |
| Return on Tangible Assets | 0.83% | 0.80% | 0.72% | 1.00% | 1.25% |
| Earnings Yield | 8.34% | 8.28% | 10.65% | 14.05% | 14.41% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.70 | 17.59 | 17.46 | 15.18 | 20.44 |
| 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 | 5.51 | 5.82 | 5.14 | 3.91 | 3.78 |
| Asset Turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.05 |
| Working Capital Turnover Ratio | -0.07 | -0.07 | -0.06 | -0.05 | -0.06 |
| Cash Conversion Cycle | 24.83 | 20.75 | 20.91 | 24.05 | 17.85 |
| Days of Sales Outstanding | 24.83 | 20.75 | 20.91 | 24.05 | 17.85 |
| 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 | 24.83 | 20.75 | 20.91 | 24.05 | 17.85 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.20 | 1.98 | 1.25 | 2.79 | 2.02 |
| Free Cash Flow Per Share | 1.07 | 1.89 | 1.12 | 2.45 | 1.66 |
| Dividend Paid and CapEx Coverage Ratio | 2.38 | 4.76 | 2.98 | 4.62 | 3.43 |
| Capital Expenditure Coverage Ratio | 8.92 | 22.70 | 9.60 | 8.13 | 5.72 |
| Operating Cash Flow Coverage Ratio | 0.23 | 0.30 | 0.09 | 0.14 | 0.13 |
| Operating Cash Flow to Sales Ratio | 0.13 | 0.20 | 0.14 | 0.37 | 0.27 |
| Free Cash Flow Yield | 6.00% | 11.61% | 9.59% | 20.33% | 12.08% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.21 | 12.08 | 9.39 | 7.12 | 6.94 |
| Price-to-Sales (P/S) Ratio | 1.92 | 1.67 | 1.30 | 1.58 | 1.84 |
| Price-to-Book (P/B) Ratio | 0.92 | 0.93 | 0.71 | 0.76 | 0.86 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 16.66 | 8.61 | 10.43 | 4.92 | 8.28 |
| Price-to-Operating Cash Flow Ratio | 14.79 | 8.23 | 9.34 | 4.31 | 6.83 |
| Price-to-Earnings Growth (PEG) Ratio | 1.36 | 1.68 | -0.36 | -0.49 | 0.09 |
| Enterprise Value Multiple | 11.09 | 8.75 | 10.25 | 11.07 | 8.13 |
| Enterprise Value | 105.93M | 182.56M | 232.45M | 305.70M | 268.32M |
| EV to EBITDA | 11.09 | 8.75 | 10.25 | 11.07 | 8.13 |
| EV to Sales | 1.18 | 1.84 | 2.46 | 3.81 | 3.35 |
| EV to Free Cash Flow | 10.20 | 9.47 | 19.77 | 11.90 | 15.06 |
| EV to Operating Cash Flow | 9.06 | 9.05 | 17.71 | 10.44 | 12.42 |
| Tangible Book Value Per Share | 15.72 | 14.02 | 13.02 | 12.27 | 12.25 |
| Shareholders’ Equity Per Share | 19.36 | 17.56 | 16.56 | 15.91 | 15.94 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.17 | 0.21 | 0.31 | 0.25 | 0.27 |
| Revenue Per Share | 9.28 | 9.75 | 9.02 | 7.64 | 7.47 |
| Net Income Per Share | 1.49 | 1.35 | 1.25 | 1.69 | 1.98 |
| Tax Burden | 0.83 | 0.79 | 0.69 | 0.75 | 0.73 |
| Interest Burden | 2.76 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.29 | 0.24 | 0.23 | 0.28 | 0.29 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.81 | 1.47 | 1.00 | 1.65 | 1.02 |
Currency in USD
