Citizens Community Bancorp, Inc. cash flow to debt ratio of 22.57% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Citizens Community Bancorp, Inc.'s free cash flow has decreased 46.17% from $19.29M last year to $10.38M, signaling decreasing performance

Citizens Community Bancorp, Inc.'s debt to equity ratio is 0.27, which means that the company's assets are healthy financed, signaling financial stability.

Citizens Community Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.37 last year to 0.27 today, signaling strengthened financials

Citizens Community Bancorp, Inc. has a net cash position, so leverage is healthy.

Citizens Community Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Citizens Community Bancorp, Inc.'s profit margin has increased (5.82%) in the last year from 13.83% to 14.64%, signaling increasing performance

Citizens Community Bancorp, Inc.'s short-term liabilities of $1.52B exceed its short-term assets of $193.77M, signaling financial risk

Citizens Community Bancorp, Inc.'s return on assets of 0.71% is lower than the 5.00% threshold, indicating inefficient asset utilization

Citizens Community Bancorp, Inc.'s return on equity of 6.77%, is lower than 15.00%, indicating bad performance

Citizens Community Bancorp, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Citizens Community Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Citizens Community Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Citizens Community Bancorp, Inc. has a free cash flow yield of 5.28%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Citizens Community Bancorp, Inc.'s yearly earnings has increased 4.87% since last year from $13.75M to $14.42M, signaling increasing performance

Citizens Community Bancorp, Inc.'s yearly revenue has decreased 9.41% since last year from $99.43M to $90.07M, signaling decreasing performance

ROIC 0.07% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Citizens Community Bancorp, Inc.'s 3-year revenue CAGR of 3.94% is positive, indicating growing revenue over the past 3 years

Citizens Community Bancorp, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Citizens Community Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Citizens Community Bancorp, Inc. is overvalued relative to its fair value price of 13.94 based on Discounted Cash Flow model

Citizens Community Bancorp, Inc. has an earnings yield of 6.28%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Citizens Community Bancorp, Inc. is overvalued relative to its fair value price of 13.44 based on EBITDA multiple model

Citizens Community Bancorp, Inc. has an EV/EBITDA ratio of 6.81x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Citizens Community Bancorp, Inc. is overvalued relative to its fair value price of 16.34 based on Earnings Fair Value model

Citizens Community Bancorp, Inc. has a PEG-ratio over 1 which is considered overvalued

Citizens Community Bancorp, Inc. has a price-to-book ratio of 1.07x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Citizens Community Bancorp, Inc. has a price-to-sales ratio of 2.33x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue