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 June 2026, meaning its operating cash flow of $7.91 Million could theoretically repay 0% of its total liabilities ($1.62 Billion) in one year. See Citizens Community Bancorp Inc free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see Citizens Community Bancorp Inc (CZWI) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Citizens Community Bancorp Inc (2003–2025)
Year-by-year debt coverage analysis for Citizens Community Bancorp Inc. Check Citizens Community Bancorp Inc (CZWI) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |