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STOCKS

Citizens Community (CZWI)

:CZWI

CZWI

Citizens Community Bancorp

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Citizens Community Bancorp (CZWI) Ratios

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Citizens Community Bancorp Ratios

CZWI's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, CZWI's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.03	0.00	0.03	0.26	0.34
Quick Ratio	0.07	0.00	0.07	0.32	0.51
Cash Ratio	0.03	0.00	0.03	0.05	0.16
Solvency Ratio	0.01	0.01	0.01	0.15	0.09
Operating Cash Flow Ratio	0.02	0.00	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	$ -1.61B	$ -1.64B	$ -1.61B	$ 86.23M	$ 91.25M
Leverage Ratios
Debt-to-Assets Ratio	0.12	0.08	0.12	0.10	0.11
Debt-to-Equity Ratio	1.29	0.85	1.29	0.99	1.13
Debt-to-Capital Ratio	0.56	0.46	0.56	0.50	0.53
Long-Term Debt-to-Capital Ratio	0.37	0.32	0.37	0.50	0.53
Financial Leverage Ratio	10.87	10.68	10.87	10.18	10.27
Debt Service Coverage Ratio	1.67	0.45	1.67	2.44	1.54
Interest Coverage Ratio	3.01	0.68	3.01	2.79	1.21
Debt to Market Cap	0.77	0.67	0.77	1.15	1.50
Interest Debt Per Share	21.70	17.47	21.70	16.83	17.57
Net Debt to EBITDA	6.50	4.98	6.50	3.66	2.21
Profitability Margins
Gross Profit Margin	100.00%	160.28%	100.00%	100.00%	100.00%
EBIT Margin	35.09%	32.34%	35.09%	41.55%	29.09%
EBITDA Margin	41.09%	37.68%	41.09%	47.35%	38.78%
Operating Profit Margin	58.32%	41.56%	58.32%	41.55%	25.26%
Pretax Profit Margin	35.09%	32.34%	35.09%	41.55%	25.26%
Net Profit Margin	26.43%	22.31%	26.43%	30.52%	18.60%
Continuous Operations Profit Margin	26.43%	22.31%	26.43%	30.52%	18.60%
Net Income Per EBT	75.32%	68.98%	75.32%	73.43%	73.64%
EBT Per EBIT	60.17%	77.82%	60.17%	100.00%	100.00%
Return on Assets (ROA)	0.98%	0.71%	0.98%	1.22%	0.77%
Return on Equity (ROE)	10.63%	7.53%	10.63%	12.45%	7.93%
Return on Capital Employed (ROCE)	6.63%	1.31%	6.63%	3.78%	2.02%
Return on Invested Capital (ROIC)	-3.49%	0.91%	-3.49%	-5.82%	-4.95%
Return on Tangible Assets	1.00%	0.72%	1.00%	1.25%	0.79%
Earnings Yield	14.05%	10.65%	14.05%	14.41%	10.47%
Efficiency Ratios
Receivables Turnover	12.71	0.00	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	3.28	2.95	3.28	3.29	3.23
Asset Turnover	0.04	0.03	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.07	-0.10	-0.07	-0.11	-0.12
Cash Conversion Cycle	28.71	0.00	28.71	20.51	30.16
Days of Sales Outstanding	28.71	0.00	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	28.71	0.00	28.71	20.51	30.16
Cash Flow Ratios
Operating Cash Flow Per Share	2.79	1.25	2.79	2.02	2.13
Free Cash Flow Per Share	2.45	1.12	2.45	1.66	1.90
CapEx Per Share	0.34	0.13	0.34	0.35	0.23
Free Cash Flow to Operating Cash Flow	0.88	0.90	0.88	0.83	0.89
Dividend Paid and CapEx Coverage Ratio	4.62	2.98	4.62	3.43	4.81
Capital Expenditure Coverage Ratio	8.13	9.60	8.13	5.72	9.24
Operating Cash Flow Coverage Ratio	0.14	0.09	0.14	0.13	0.13
Operating Cash Flow to Sales Ratio	0.44	0.22	0.44	0.31	0.35
Free Cash Flow Yield	20.33%	9.59%	20.33%	12.08%	17.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.12	9.39	7.12	6.94	9.55
Price-to-Sales (P/S) Ratio	1.88	2.09	1.88	2.12	1.78
Price-to-Book (P/B) Ratio	0.76	0.71	0.76	0.86	0.76
Price-to-Free Cash Flow (P/FCF) Ratio	4.92	10.43	4.92	8.28	5.73
Price-to-Operating Cash Flow Ratio	4.31	9.34	4.31	6.83	5.11
Price-to-Earnings Growth (PEG) Ratio	-0.49	-0.36	-0.49	0.09	0.28
Price-to-Fair Value	0.76	0.71	0.76	0.86	0.76
Enterprise Value Multiple	11.07	10.54	11.07	8.13	6.79
Enterprise Value	305.70M	232.45M	305.70M	268.32M	180.18M
EV to EBITDA	11.07	10.54	11.07	8.13	6.79
EV to Sales	4.55	3.97	4.55	3.85	2.63
EV to Free Cash Flow	11.90	19.77	11.90	15.06	8.49
EV to Operating Cash Flow	10.44	17.71	10.44	12.42	7.58
Tangible Book Value Per Share	12.27	13.02	12.27	142.77	127.85
Shareholders’ Equity Per Share	15.91	16.56	15.91	15.94	14.39
Tax and Other Ratios
Effective Tax Rate	0.25	0.31	0.25	0.27	0.26
Revenue Per Share	6.40	5.59	6.40	6.50	6.13
Net Income Per Share	1.69	1.25	1.69	1.98	1.14
Tax Burden	0.75	0.69	0.75	0.73	0.74
Interest Burden	1.00	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	0.34	0.37	0.34	0.33	0.37
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	<0.01
Income Quality	1.65	1.00	1.65	1.02	1.87

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