Citizens Community Bancorp Inc (CZWI) — Cash Flow Quality Index
Citizens Community Bancorp Inc (CZWI) has a Cash Flow Quality Index of 7.18x as of June 2026. Operating cash flow of $7.91 Million exceeds net income of $1.10 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Citizens Community Bancorp Inc service its debt to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Citizens Community Bancorp Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for Citizens Community Bancorp Inc (2003–2025)
Year-by-year earnings quality comparison for Citizens Community Bancorp Inc.
| 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 | — |