Citizens Community Bancorp Inc (CZWI) — 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). Check how aggressively does Citizens Community Bancorp Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Citizens Community Bancorp Inc Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for Citizens Community Bancorp Inc across 23 annual periods. For the full cash flow conversion analysis, see CZWI operating cash flow.
Annual Financial Flexibility Index for Citizens Community Bancorp Inc (2003–2025)
Year-by-year free cash flow to debt coverage for Citizens Community Bancorp Inc. Explore Citizens Community Bancorp Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
| 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 | — |