Citizens Community Bancorp Inc (CZWI) — Cash Flow-to-Debt Ratio
Citizens Community Bancorp Inc (CZWI) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $3.85 Million could theoretically repay 0% of its total liabilities ($1.59 Billion) in one year. See Citizens Community Bancorp Inc free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Citizens Community Bancorp Inc Cash Flow-to-Debt Ratio (2003–2025)
Historical debt coverage capacity for Citizens Community Bancorp Inc across 23 annual periods. Also explore how fast is Citizens Community Bancorp Inc growing its equity to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Citizens Community Bancorp Inc (2003–2025)
Year-by-year debt coverage analysis for Citizens Community Bancorp Inc. For market capitalisation and broader financial context, see CZWI stock market capitalisation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $11.69 Million | $1.59 Billion | ▼ -42.9% |
| 2024 | 0.01x | $20.18 Million | $1.57 Billion | ▲ +64.4% |
| 2023 | 0.01x | $13.12 Million | $1.68 Billion | ▼ -56.0% |
| 2022 | 0.02x | $29.29 Million | $1.65 Billion | ▲ +29.0% |
| 2021 | 0.01x | $21.60 Million | $1.57 Billion | ▼ -13.8% |
| 2020 | 0.02x | $23.79 Million | $1.49 Billion | ▲ +71.9% |
| 2019 | 0.01x | $12.84 Million | $1.38 Billion | ▼ -1.5% |
| 2018 | 0.01x | $10.86 Million | $1.15 Billion | ▲ +327.9% |
| 2017 | 0.00x | $1.91 Million | $867.18 Million | ▼ -75.9% |
| 2016 | 0.01x | $5.70 Million | $622.59 Million | ▼ -17.5% |
| 2015 | 0.01x | $5.78 Million | $520.53 Million | ▼ -27.4% |
| 2014 | 0.02x | $7.84 Million | $512.52 Million | ▲ +13.4% |
| 2013 | 0.01x | $6.74 Million | $500.34 Million | ▼ -29.5% |
| 2012 | 0.02x | $9.08 Million | $475.08 Million | ▼ -7.7% |
| 2011 | 0.02x | $10.01 Million | $483.67 Million | ▲ +93.0% |
| 2010 | 0.01x | $5.84 Million | $544.49 Million | ▲ +47.6% |
| 2009 | 0.01x | $3.78 Million | $520.04 Million | ▲ +26.3% |
| 2008 | 0.01x | $2.37 Million | $411.56 Million | ▲ +258.7% |
| 2007 | 0.00x | $-1.21 Million | $333.66 Million | ▼ -120.5% |
| 2006 | 0.02x | $3.76 Million | $212.27 Million | ▲ +118.9% |
| 2005 | 0.01x | $1.75 Million | $216.15 Million | ▼ -3.8% |
| 2004 | 0.01x | $1.20 Million | $142.37 Million | ▼ -21.9% |
| 2003 | 0.01x | $1.29 Million | $119.41 Million | — |