Citizens Community Bancorp Inc Financial Flexibility Index
Citizens Community Bancorp Inc financial flexibility index. Citizens Community Bancorp Inc (CZWI) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $8.48 Million (operating CF $7.91 Million minus capex $570.00K) represents 0% of total liabilities ($1.62 Billion). See CZWI free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Citizens Community Bancorp Inc (2003–2025)
Financial flexibility index of Citizens Community Bancorp Inc from 2003 to 2025. Historical Financial Flexibility Index trend for Citizens Community Bancorp Inc across 23 annual periods. Check CZWI operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
Citizens Community Bancorp Inc Financial Flexibility Index by Year (2003–2025)
Citizens Community Bancorp Inc financial flexibility index by year from 2003 to 2025. Year-by-year free cash flow to debt coverage for Citizens Community Bancorp Inc. For the full cash flow conversion analysis, see cash efficiency ratio of Citizens Community Bancorp Inc.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $13.00 Million | $11.69 Million | $1.59 Billion | ▼ -39.2% |
| 2024 | 0.01x | $21.07 Million | $20.18 Million | $1.57 Billion | ▲ +55.4% |
| 2023 | 0.01x | $14.49 Million | $13.12 Million | $1.68 Billion | ▼ -56.7% |
| 2022 | 0.02x | $32.89 Million | $29.29 Million | $1.65 Billion | ▲ +23.3% |
| 2021 | 0.02x | $25.38 Million | $21.60 Million | $1.57 Billion | ▼ -8.6% |
| 2020 | 0.02x | $26.36 Million | $23.79 Million | $1.49 Billion | ▲ +24.7% |
| 2019 | 0.01x | $19.61 Million | $12.84 Million | $1.38 Billion | ▲ +18.3% |
| 2018 | 0.01x | $13.81 Million | $10.86 Million | $1.15 Billion | ▲ +312.9% |
| 2017 | 0.00x | $2.52 Million | $1.91 Million | $867.18 Million | ▼ -72.8% |
| 2016 | 0.01x | $6.66 Million | $5.70 Million | $622.59 Million | ▼ -8.8% |
| 2015 | 0.01x | $6.11 Million | $5.78 Million | $520.53 Million | ▼ -27.7% |
| 2014 | 0.02x | $8.32 Million | $7.84 Million | $512.52 Million | ▲ +11.4% |
| 2013 | 0.01x | $7.29 Million | $6.74 Million | $500.34 Million | ▼ -27.5% |
| 2012 | 0.02x | $9.55 Million | $9.08 Million | $475.08 Million | ▼ -8.1% |
| 2011 | 0.02x | $10.59 Million | $10.01 Million | $483.67 Million | ▲ +93.9% |
| 2010 | 0.01x | $6.14 Million | $5.84 Million | $544.49 Million | ▼ -14.3% |
| 2009 | 0.01x | $6.85 Million | $3.78 Million | $520.04 Million | ▲ +10.1% |
| 2008 | 0.01x | $4.92 Million | $2.37 Million | $411.56 Million | ▲ +525.5% |
| 2007 | 0.00x | $-938.00K | $-1.21 Million | $333.66 Million | ▼ -112.1% |
| 2006 | 0.02x | $4.93 Million | $3.76 Million | $212.27 Million | ▲ +153.1% |
| 2005 | 0.01x | $1.98 Million | $1.75 Million | $216.15 Million | ▲ +1.6% |
| 2004 | 0.01x | $1.29 Million | $1.20 Million | $142.37 Million | ▼ -16.2% |
| 2003 | 0.01x | $1.29 Million | $1.29 Million | $119.41 Million | — |