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STOCKS

Citizens Community Bancorp (CZWI)

NASDAQ:CZWI

CZWI

Citizens Community Bancorp

RESEARCH TOOLSreports

Citizens Community Bancorp (CZWI) Ratios

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103 Followers

Citizens Community Bancorp Ratios

CZWI's free cash flow for Q4 2025 was $0.28. For the 2025 fiscal year, CZWI's free cash flow was decreased by $ and operating cash flow was $-0.40. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	3.02K	3.02K	0.09	0.07	0.03
Quick Ratio	3.02K	3.02K	0.09	0.07	0.03
Cash Ratio	227.25	227.25	0.03	0.02	0.02
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	22.36	22.36	0.01	<0.01	0.02
Short-Term Operating Cash Flow Coverage	22.36	22.36	4.04	0.17	0.21
Net Current Asset Value	$ -16.81M	$ -16.81M	$ -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	0.28	0.28	0.37	0.85	1.29
Debt-to-Capital Ratio	0.22	0.22	0.27	0.46	0.56
Long-Term Debt-to-Capital Ratio	0.22	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	0.15	0.15	0.36	0.15	0.14
Interest Coverage Ratio	0.16	0.16	0.40	0.53	1.81
Debt to Market Cap	0.28	0.30	0.40	1.20	1.70
Interest Debt Per Share	9.36	9.36	10.76	17.47	21.70
Net Debt to EBITDA	-7.54	-7.54	0.79	4.85	6.50
Profitability Margins
Gross Profit Margin	54.68%	54.68%	59.80%	62.49%	81.92%
EBIT Margin	7.01%	7.01%	17.55%	20.05%	29.39%
EBITDA Margin	9.88%	9.88%	20.99%	24.01%	34.42%
Operating Profit Margin	7.01%	7.01%	17.55%	20.05%	29.39%
Pretax Profit Margin	19.36%	19.36%	17.55%	20.05%	29.39%
Net Profit Margin	16.01%	16.01%	13.83%	13.83%	22.14%
Continuous Operations Profit Margin	16.01%	16.01%	13.83%	13.83%	22.14%
Net Income Per EBT	82.68%	82.68%	78.80%	68.98%	75.32%
EBT Per EBIT	276.23%	276.23%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.81%	0.81%	0.79%	0.71%	0.98%
Return on Equity (ROE)	7.81%	7.67%	7.68%	7.53%	10.63%
Return on Capital Employed (ROCE)	0.35%	0.35%	6.83%	7.49%	9.47%
Return on Invested Capital (ROIC)	0.29%	0.29%	5.28%	3.93%	4.53%
Return on Tangible Assets	0.82%	0.82%	0.80%	0.72%	1.00%
Earnings Yield	7.65%	8.34%	8.28%	10.65%	14.05%
Efficiency Ratios
Receivables Turnover	0.07	0.07	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	5.51	5.51	5.82	5.14	3.91
Asset Turnover	0.05	0.05	0.06	0.05	0.04
Working Capital Turnover Ratio	0.70	0.85	-0.07	-0.06	-0.05
Cash Conversion Cycle	5.37K	5.37K	20.75	20.91	24.05
Days of Sales Outstanding	5.37K	5.37K	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	5.37K	5.37K	20.75	20.91	24.05
Cash Flow Ratios
Operating Cash Flow Per Share	1.20	1.20	1.98	1.25	2.79
Free Cash Flow Per Share	1.15	1.07	1.89	1.12	2.45
CapEx Per Share	0.05	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	0.79	2.38	4.76	2.98	4.62
Capital Expenditure Coverage Ratio	23.77	8.92	22.70	9.60	8.13
Operating Cash Flow Coverage Ratio	0.23	0.23	0.30	0.09	0.14
Operating Cash Flow to Sales Ratio	0.13	0.13	0.20	0.14	0.37
Free Cash Flow Yield	5.99%	6.00%	11.61%	9.59%	20.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.07	12.00	12.08	9.39	7.12
Price-to-Sales (P/S) Ratio	2.07	1.92	1.67	1.30	1.58
Price-to-Book (P/B) Ratio	1.00	0.92	0.93	0.71	0.76
Price-to-Free Cash Flow (P/FCF) Ratio	16.69	16.66	8.61	10.43	4.92
Price-to-Operating Cash Flow Ratio	16.11	14.79	8.23	9.34	4.31
Price-to-Earnings Growth (PEG) Ratio	0.99	1.34	1.68	-0.36	-0.49
Price-to-Fair Value	1.00	0.92	0.93	0.71	0.76
Enterprise Value Multiple	13.47	11.91	8.75	10.25	11.07
Enterprise Value	119.84M	105.93M	182.56M	232.45M	305.70M
EV to EBITDA	13.47	11.91	8.75	10.25	11.07
EV to Sales	1.33	1.18	1.84	2.46	3.81
EV to Free Cash Flow	10.70	10.20	9.47	19.77	11.90
EV to Operating Cash Flow	10.25	9.06	9.05	17.71	10.44
Tangible Book Value Per Share	16.08	16.08	14.02	13.02	12.27
Shareholders’ Equity Per Share	19.36	19.36	17.56	16.56	15.91
Tax and Other Ratios
Effective Tax Rate	0.17	0.17	0.21	0.31	0.25
Revenue Per Share	9.28	9.28	9.75	9.02	7.64
Net Income Per Share	1.49	1.49	1.35	1.25	1.69
Tax Burden	0.83	0.83	0.79	0.69	0.75
Interest Burden	2.76	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	0.27	0.27	0.24	0.23	0.28
Stock-Based Compensation to Revenue	<0.01	0.00	0.00	0.00	<0.01
Income Quality	0.81	0.81	1.47	1.00	1.65

Currency in USD