Citizens Community Bancorp Inc (CZWI) — Defensive Interval Ratio
Citizens Community Bancorp Inc (CZWI) has a Defensive Interval Ratio of 1017640 days as of December 2025. Defensive assets of $1.46 Billion (cash $-, short-term investments $134.10 Million, receivables $1.32 Billion) cover 1017640 days of daily cash needs of $1.43K/day. See Citizens Community Bancorp Inc (CZWI) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens Community Bancorp Inc Defensive Interval Ratio (2003–2025)
This chart shows how Citizens Community Bancorp Inc's Defensive Interval Ratio has evolved across 23 annual periods from 2003 to 2025. As of December 2025, the ratio stands at 1017640 days, meaning defensive assets of $1.46 Billion can fund 1017640 days of operations without new revenue. See CZWI net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Citizens Community Bancorp Inc (2003–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens Community Bancorp Inc from 2003 to 2025, covering 23 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market value of Citizens Community Bancorp Inc.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 1017640 days | $1.46 Billion | $1.43K/day | $- | $134.10 Million | ▲ +1017621 days |
| 2024 | 19 days | $78.53 Million | $4.09 Million/day | $- | $72.87 Million | ▲ +1 days |
| 2023 | 18 days | $78.89 Million | $4.38 Million/day | $- | $73.48 Million | ▼ -22 days |
| 2022 | 40 days | $171.28 Million | $4.29 Million/day | $- | $165.99 Million | ▲ +39 days |
| 2021 | 1 days | $4.06 Million | $4.11 Million/day | $- | $140.00K | ▼ -38 days |
| 2020 | 39 days | $149.88 Million | $3.89 Million/day | $- | $144.23 Million | ▼ -12 days |
| 2019 | 51 days | $184.86 Million | $3.63 Million/day | $- | $180.12 Million | ▲ +2 days |
| 2018 | 49 days | $151.03 Million | $3.06 Million/day | $- | $146.72 Million | ▲ +6 days |
| 2017 | 43 days | $99.17 Million | $2.28 Million/day | $- | $95.88 Million | ▼ -6 days |
| 2016 | 49 days | $83.21 Million | $1.69 Million/day | $- | $81.14 Million | ▼ -14 days |
| 2015 | 63 days | $88.75 Million | $1.41 Million/day | $- | $87.16 Million | ▲ +17 days |
| 2014 | 46 days | $63.67 Million | $1.39 Million/day | $- | $62.19 Million | ▼ -14 days |
| 2013 | 60 days | $81.16 Million | $1.36 Million/day | $- | $79.69 Million | ▲ +6 days |
| 2012 | 53 days | $68.68 Million | $1.29 Million/day | $- | $67.11 Million | ▲ +16 days |
| 2011 | 37 days | $45.85 Million | $1.23 Million/day | $- | $44.34 Million | ▲ +4 days |
| 2010 | 33 days | $43.69 Million | $1.30 Million/day | $- | $41.71 Million | ▲ +29 days |
| 2009 | 4 days | $4.64 Million | $1.12 Million/day | $- | $2.46 Million | ▲ +2 days |
| 2008 | 3 days | $2.10 Million | $814.36K/day | $- | $371.00K | ▼ -1 days |
| 2007 | 3 days | $1.85 Million | $569.13K/day | $- | $371.00K | ▼ 0 days |
| 2006 | 4 days | $1.90 Million | $511.54K/day | $- | $959.00K | ▲ +0 days |
| 2005 | 4 days | $2.06 Million | $585.39K/day | $- | $1.44 Million | ▲ +2 days |
| 2004 | 1 days | $466.40K | $387.61K/day | $- | $- | ▼ 0 days |
| 2003 | 1 days | $397.06K | $314.97K/day | $- | $- | — |