Citizens Community Bancorp, Inc — Earnings Quality Grade C
CZWI · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 36 days, change -1 days YoY
AR growth 8.4% vs revenue growth 10.7%
Revenue grew 10.7% but CFFO declined -42.7%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 47.5% is >2x revenue growth 10.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.81. Profits backed by cash
FCF $0.0B, FCF/NI = 0.72
Accruals ratio = 0.2%. Low accruals
Cash $0.1B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 19% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor CZWI continuously
The full checks and model details are free to read. Use Watchlist to track your holdings; Pro adds automatic quarterly rescoring, risk-event email alerts, scans up to 50 tickers, and export workflows.
Altman Z-Score — Not Applicable
Citizens Community Bancorp, Inc is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25