Citizens Community Bancorp Inc (CZWI) — Cash Flow Quality Index
Citizens Community Bancorp Inc (CZWI) has a Cash Flow Quality Index of 0.90x as of December 2025. Operating cash flow of $3.85 Million is below net income of $4.27 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Citizens Community Bancorp Inc (CZWI) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Citizens Community Bancorp Inc Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Citizens Community Bancorp Inc across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check CZWI tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Citizens Community Bancorp Inc (2003–2025)
Year-by-year earnings quality comparison for Citizens Community Bancorp Inc. For live market cap and the full company financial profile, see Citizens Community Bancorp Inc market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.81x | $11.69 Million | $14.42 Million | ▼ -44.7% |
| 2024 | 1.47x | $20.18 Million | $13.75 Million | ▲ +46.0% |
| 2023 | 1.00x | $13.12 Million | $13.06 Million | ▼ -39.1% |
| 2022 | 1.65x | $29.29 Million | $17.76 Million | ▲ +62.4% |
| 2021 | 1.02x | $21.60 Million | $21.27 Million | ▼ -45.7% |
| 2020 | 1.87x | $23.79 Million | $12.72 Million | ▲ +37.8% |
| 2019 | 1.36x | $12.84 Million | $9.46 Million | ▼ -46.5% |
| 2018 | 2.53x | $10.86 Million | $4.28 Million | ▲ +231.1% |
| 2017 | 0.77x | $1.91 Million | $2.50 Million | ▼ -65.4% |
| 2016 | 2.21x | $5.70 Million | $2.57 Million | ▲ +7.6% |
| 2015 | 2.06x | $5.78 Million | $2.81 Million | ▼ -53.2% |
| 2014 | 4.39x | $7.84 Million | $1.78 Million | ▼ -31.8% |
| 2013 | 6.44x | $6.74 Million | $1.05 Million | ▼ -85.4% |
| 2012 | 44.07x | $9.08 Million | $206.00K | ▼ -15.0% |
| 2011 | 51.85x | $10.01 Million | $193.00K | ▲ +3127.8% |
| 2008 | 1.61x | $2.37 Million | $1.47 Million | ▲ +198.6% |
| 2007 | -1.63x | $-1.21 Million | $743.00K | ▼ -119.3% |
| 2006 | 8.43x | $3.76 Million | $446.00K | ▲ +406.5% |
| 2005 | 1.66x | $1.75 Million | $1.05 Million | ▲ +16.2% |
| 2004 | 1.43x | $1.20 Million | $836.54K | ▼ -33.5% |
| 2003 | 2.15x | $1.29 Million | $597.50K | — |