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Citizens (CIA) Financials

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$3.46 +0.09 (+2.76%)
Closing price 10/15/2026 03:59 PM Eastern
Extended Trading
$2.74 -0.72 (-20.85%)
As of 04:02 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Citizens

Annual Income Statements for Citizens

This table shows Citizens' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -3.14 1.97 -38 -11 -1.37 -11 73 26 24 15 15
Consolidated Net Income / (Loss)		 -3.14 1.97 -38 -11 -1.37 -11 73 26 24 15 15
Net Income / (Loss) Continuing Operations		 -3.14 1.97 -38 -11 -1.37 -11 73 26 24 15 15
Total Pre-Tax Income 		-1.94 5.48 -2.99 2.00 5.75 -12 31 27 26 15 17
Total Revenue		 236 245 253 244 251 239 251 233 241 245 256
Net Interest Income / (Expense)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 236 245 253 244 251 239 251 233 241 245 256
Other Service Charges		 1.47 0.96 1.24 1.83 1.42 1.83 3.33 3.68 3.63 4.59 7.07
Net Realized & Unrealized Capital Gains on Investments		 40 47 54 54 65 62 72 55 70 67 72
Premiums Earned		 194 198 198 188 184 175 175 174 167 173 176
Total Non-Interest Expense		 238 240 256 242 245 251 220 205 215 230 238
Salaries and Employee Benefits		 44 45 41 35 34 32 35 36 39 49 47
Property & Liability Insurance Claims		 79 81 83 91 107 121 120 120 136 146 165
Insurance Policy Acquisition Costs		 11 -26 -23 -16 -16 -15 -17 -19 -23 -36 -34
Amortization of Deferred Policy Acquisition Costs		 -5.39 31 32 2.46 1.55 1.82 14 15 0.60 0.60 0.45
Current and Future Benefits		 77 76 76 48 42 30 9.77 4.80 -5.62 -4.29 -15
Other Operating Expenses		 33 33 46 48 48 54 43 45 47 52 53
Amortization Expense		 - - - 34 28 27 - - 15 17 19
Other Special Charges		 - - - - - - 1.43 2.88 4.46 4.76 2.57
Income Tax Expense		 1.20 3.51 35 13 7.12 -1.33 -42 1.37 1.74 0.07 2.88
Basic Earnings per Share		 ($0.06) $0.04 ($1.15) ($0.33) ($0.04) ($0.33) $2.19 $0.52 $0.49 $0.30 $0.29
Weighted Average Basic Shares Outstanding		 52.40M 49.08M 49.08M 49.08M 50.34M 50.56M 49.03M 49.84M 49.57M 49.91M 50.30M
Diluted Earnings per Share		 ($0.06) $0.04 ($1.15) ($0.33) ($0.04) ($0.33) $2.16 $0.51 $0.48 $0.29 $0.28
Weighted Average Diluted Shares Outstanding		 52.40M 49.08M 49.08M 49.08M 50.34M 50.56M 49.03M 49.84M 49.57M 49.91M 50.30M
Weighted Average Basic & Diluted Shares Outstanding		 52.40M 49.08M 49.08M 49.08M 50.34M 50.56M 49.03M 49.84M 49.57M 49.91M 50.30M

Quarterly Income Statements for Citizens

This table shows Citizens' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 11 4.54 3.96 2.79 3.62 -1.62 6.46 2.42 7.34 2.27 -0.43
Consolidated Net Income / (Loss)		 11 4.54 3.96 2.79 3.62 -1.62 6.46 2.42 7.34 2.27 -0.43
Net Income / (Loss) Continuing Operations		 11 4.54 3.96 2.79 3.62 -1.62 6.46 2.42 7.34 2.27 -0.43
Total Pre-Tax Income 		8.77 4.93 3.30 3.04 3.72 -1.79 6.91 4.48 7.86 2.37 -0.53
Total Revenue		 67 58 62 62 63 56 65 63 72 60 60
Net Interest Income / (Expense)		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Income		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Interest Expense		 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00 0.00
Total Non-Interest Income		 67 58 62 62 63 56 65 63 72 60 60
Other Service Charges		 1.01 0.59 2.24 0.63 1.13 1.37 2.12 1.64 1.93 1.49 1.17
Net Realized & Unrealized Capital Gains on Investments		 19 18 17 18 13 14 20 18 20 18 16
Premiums Earned		 47 39 43 43 49 40 43 43 50 40 44
Total Non-Interest Expense		 58 53 59 59 60 57 58 58 64 57 61
Salaries and Employee Benefits		 12 10 14 14 13 11 11 11 12 11 11
Property & Liability Insurance Claims		 35 33 35 36 42 40 40 44 40 40 34
Insurance Policy Acquisition Costs		 -6.51 -7.09 -9.35 -9.11 -10 -7.55 -8.41 -8.60 -9.70 -7.84 -8.32
Amortization of Deferred Policy Acquisition Costs		 0.14 0.17 4.43 4.65 0.12 0.10 0.08 4.92 -9.26 0.19 0.14
Current and Future Benefits		 0.18 0.45 -1.05 0.47 -4.16 -3.65 -4.55 -6.76 0.10 -4.70 3.19
Other Operating Expenses		 12 11 17 12 12 13 13 13 14 13 14
Amortization Expense		 3.92 4.04 - - 4.63 4.65 4.61 - - 4.98 5.02
Other Special Charges		 1.60 0.32 - - 1.92 -0.17 1.35 - - 0.88 1.71
Income Tax Expense		 -1.97 0.38 -0.66 0.25 0.10 -0.16 0.46 2.06 0.53 0.11 -0.10
Basic Earnings per Share		 $0.21 $0.09 $0.08 $0.06 $0.07 ($0.03) $0.13 $0.04 $0.15 $0.05 ($0.01)
Weighted Average Basic Shares Outstanding		 49.57M 49.63M 49.87M 49.91M 49.91M 50.15M 50.25M 50.30M 50.30M 50.55M 50.64M
Diluted Earnings per Share		 $0.21 $0.09 $0.08 $0.05 $0.07 ($0.03) $0.13 $0.04 $0.14 $0.04 ($0.01)
Weighted Average Diluted Shares Outstanding		 49.57M 49.63M 49.87M 49.91M 49.91M 50.15M 50.25M 50.30M 50.30M 50.55M 50.64M
Weighted Average Basic & Diluted Shares Outstanding		 49.57M 49.63M 49.87M 49.91M 49.91M 50.15M 50.25M 50.30M 50.30M 50.55M 50.64M

Annual Cash Flow Statements for Citizens

This table details how cash moves in and out of Citizens' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 32 -47 11 -0.57 0.71 -12 -6.84 -4.32 4.02 2.27 -6.30
Net Cash From Operating Activities		 87 102 93 85 72 49 40 57 22 32 18
Net Cash From Continuing Operating Activities		 103 111 93 85 72 49 40 57 22 32 18
Net Income / (Loss) Continuing Operations		 -3.14 1.97 -38 -11 -1.37 -11 73 26 24 15 15
Consolidated Net Income / (Loss)		 -3.14 1.97 -38 -11 -1.37 -11 73 26 24 15 15
Depreciation Expense		 0.78 0.81 1.07 1.45 1.68 1.42 1.14 0.54 0.52 0.62 0.74
Amortization Expense		 14 17 19 19 14 9.88 6.33 4.86 5.54 5.71 4.89
Non-Cash Adjustments to Reconcile Net Income		 8.97 -7.85 20 63 -1.58 0.32 3.98 13 -12 -22 -17
Changes in Operating Assets and Liabilities, net		 66 91 91 12 59 48 -44 13 3.71 32 15
Net Cash From Investing Activities		 -58 -152 -85 -85 -69 -62 -41 -61 -14 -27 -20
Net Cash From Continuing Investing Activities		 -58 -152 -85 -85 -69 -62 -41 -61 -14 -27 -20
Purchase of Property, Leasehold Improvements and Equipment		 -0.59 -2.21 -1.33 -0.72 -0.51 -0.22 -1.01 -0.10 -0.44 -0.66 -0.45
Purchase of Investment Securities		 -196 -248 -175 -210 -333 -308 -136 -147 -90 -101 -188
Sale and/or Maturity of Investments		 139 98 89 125 265 246 96 87 76 74 168
Net Cash From Financing Activities		 3.00 2.49 2.55 -0.06 -2.17 0.90 -6.22 -0.50 -3.54 -2.47 -4.61
Net Cash From Continuing Financing Activities		 3.00 2.49 2.55 -0.06 -2.17 0.90 -6.22 -0.50 -3.54 -2.47 -4.61
Repayment of Debt		 -5.10 -6.18 -6.80 -7.32 -8.51 -5.76 -7.76 -8.55 -9.69 -9.58 -6.75
Other Financing Activities, Net		 8.10 8.67 9.35 7.27 6.34 6.66 8.38 8.51 7.07 7.11 2.14

Quarterly Cash Flow Statements for Citizens

This table details how cash moves in and out of Citizens' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 10 -3.76 3.10 6.04 -3.11 -11 4.32 0.45 -0.15 -4.46 -1.56
Net Cash From Operating Activities		 6.61 6.79 4.59 9.72 11 0.75 3.47 4.67 9.10 -0.32 2.05
Net Cash From Continuing Operating Activities		 6.61 6.79 4.59 9.72 11 0.75 3.47 4.67 9.10 -0.32 2.05
Net Income / (Loss) Continuing Operations		 11 4.54 3.96 2.79 3.62 -1.62 6.46 2.42 7.34 2.27 -0.43
Consolidated Net Income / (Loss)		 11 4.54 3.96 2.79 3.62 -1.62 6.46 2.42 7.34 2.27 -0.43
Depreciation Expense		 0.14 0.14 0.15 0.15 0.18 0.16 0.18 0.19 0.21 0.17 0.18
Amortization Expense		 1.32 1.46 1.38 1.38 1.50 1.28 1.28 1.21 1.12 1.17 1.10
Non-Cash Adjustments to Reconcile Net Income		 -14 -5.25 -6.33 9.74 21 -1.11 -6.30 -2.40 -7.00 -0.60 -6.87
Changes in Operating Assets and Liabilities, net		 8.03 5.88 5.44 -4.34 -15 2.04 1.85 3.26 7.42 -3.33 8.07
Net Cash From Investing Activities		 3.98 -9.47 -0.74 -3.13 -14 -11 4.80 -4.53 -8.51 -3.43 -3.00
Net Cash From Continuing Investing Activities		 3.98 -9.47 -0.74 -3.13 -14 -11 4.80 -4.53 -8.51 -3.43 -3.00
Purchase of Property, Leasehold Improvements and Equipment		 -0.15 -0.06 -0.13 -0.37 -0.10 -0.11 -0.18 -0.06 -0.10 -0.33 -0.04
Purchase of Investment Securities		 -30 -24 -19 -14 -40 -20 -19 -71 -78 -32 -23
Sale and/or Maturity of Investments		 34 15 19 11 26 8.96 24 66 69 29 20
Net Cash From Financing Activities		 -0.38 -1.08 -0.75 -0.55 -0.10 -0.23 -3.95 0.31 -0.73 -0.71 -0.60
Net Cash From Continuing Financing Activities		 -0.38 -1.08 -0.75 -0.55 -0.10 -0.23 -3.95 0.31 -0.73 -0.71 -0.60
Repayment of Debt		 -1.86 -2.65 -2.37 -2.17 -2.40 -2.39 -5.96 -2.19 3.79 -3.06 0.76
Other Financing Activities, Net		 1.68 1.57 1.62 1.62 2.30 2.15 2.01 2.50 -4.52 2.36 -1.36

Annual Balance Sheets for Citizens

This table presents Citizens' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,481 1,584 1,644 1,616 1,745 1,843 1,855 1,591 1,669 1,685 1,755
Cash and Due from Banks		 83 36 46 45 46 34 27 23 27 29 23
Trading Account Securities		 - 1,147 1,225 1,246 1,394 1,539 1,543 1,261 1,327 1,320 1,375
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 - 18 19 18 17 16 16 17 17 18 18
Premises and Equipment, Net		 - 14 14 12 5.90 16 14 13 12 11 9.84
Unearned Premiums Asset		 - 13 13 13 13 11 11 12 11 12 11
Deferred Acquisition Cost		 164 168 167 156 149 105 140 163 176 200 221
Other Assets		 89 170 147 111 106 108 103 102 99 97 97
Total Liabilities & Shareholders' Equity		 1,481 1,584 1,644 1,616 1,745 1,843 1,855 1,591 1,669 1,685 1,755
Total Liabilities		 1,234 1,335 1,421 1,428 1,485 1,542 1,534 1,463 1,497 1,475 1,520
Claims and Claim Expense		 9.65 9.54 8.61 7.61 8.06 13 15 9.88 6.64 8.82 8.77
Future Policy Benefits		 987 1,130 1,209 1,257 1,296 1,325 1,364 1,321 1,230 1,173 1,189
Unearned Premiums Liability		 - 48 51 49 43 41 41 36 32 31 29
Participating Policy Holder Equity		 - 29 32 37 47 56 68 49 186 205 235
Other Long-Term Liabilities		 96 115 120 77 90 102 47 47 42 57 58
Commitments & Contingencies		 - - - 0.00 0.00 - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 -18 249 224 188 260 301 321 128 172 210 235
Total Preferred & Common Equity		 247 249 224 188 260 301 321 128 172 210 235
Total Common Equity		 -18 249 224 188 260 301 321 128 172 210 235
Common Stock		 - 263 263 263 265 266 269 271 272 273 275
Retained Earnings		 -18 -16 -54 -70 -71 -82 -46 16 42 57 72
Treasury Stock		 - -11 -11 -11 -11 -11 -20 -23 -24 -24 -24
Accumulated Other Comprehensive Income / (Loss)		 - 14 26 5.37 77 128 117 -137 -118 -96 -88

Quarterly Balance Sheets for Citizens

This table presents Citizens' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,565 1,666 1,662 1,736 1,702 1,713 1,742 1,740 1,752
Cash and Due from Banks		 17 23 26 32 18 23 23 19 17
Trading Account Securities		 1,242 1,325 1,311 1,373 1,346 1,344 1,357 1,359 1,367
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 17 17 18 17 17 18 17 19 20
Premises and Equipment, Net		 12 11 11 11 10 9.85 9.58 9.67 9.17
Unearned Premiums Asset		 9.66 9.88 11 10 9.46 11 9.94 9.35 9.97
Deferred Acquisition Cost		 171 180 186 192 204 209 214 225 229
Other Assets		 96 95 99 100 97 99 111 100 101
Total Liabilities & Shareholders' Equity		 1,565 1,666 1,662 1,736 1,702 1,713 1,742 1,740 1,752
Total Liabilities		 1,412 1,470 1,471 1,528 1,484 1,483 1,517 1,501 1,517
Claims and Claim Expense		 5.94 7.98 7.72 9.24 9.90 8.41 8.81 8.52 10
Future Policy Benefits		 1,278 1,333 1,191 1,238 1,178 1,171 1,194 1,169 1,183
Unearned Premiums Liability		 35 32 33 32 32 31 31 30 29
Participating Policy Holder Equity		 51 53 195 200 214 216 226 242 245
Other Long-Term Liabilities		 41 42 44 49 49 56 57 52 50
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 153 195 191 208 218 229 226 239 235
Total Preferred & Common Equity		 153 195 191 208 218 229 226 239 235
Total Common Equity		 153 195 191 208 218 229 226 239 235
Common Stock		 272 272 272 273 273 275 274 276 276
Retained Earnings		 31 47 51 53 55 62 64 74 73
Treasury Stock		 -24 -24 -24 -24 -24 -24 -24 -24 -24
Accumulated Other Comprehensive Income / (Loss)		 -127 -100 -108 -95 -87 -84 -89 -87 -91

Annual Metrics And Ratios for Citizens

This table displays calculated financial ratios and metrics derived from Citizens' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 50,081,828.00 50,081,828.00 50,081,828.00 50,081,828.00 53,366,707.00 53,655,730.00 49,789,339.00 50,005,646.00 49,552,549.00 - 50,296,848.00
DEI Adjusted Shares Outstanding		 50,081,828.00 50,081,828.00 50,081,828.00 50,081,828.00 53,366,707.00 53,655,730.00 49,789,339.00 50,005,646.00 49,552,549.00 - 50,296,848.00
DEI Earnings Per Adjusted Shares Outstanding		 -0.06 0.04 -0.76 -0.22 -0.03 -0.20 1.46 0.52 0.49 - 0.29
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.62% 3.87% 2.94% -3.41% 2.68% -4.67% 4.89% -7.19% 3.51% 1.80% 4.33%
EBITDA Growth		 18.83% 74.80% -26.98% 36.25% -4.72% -104.66% 3,833.53% -13.68% -1.65% -33.88% 8.38%
EBIT Growth		 0.36% 382.19% -154.46% 167.05% 186.96% -314.40% 347.67% -10.25% -4.39% -42.77% 16.62%
NOPAT Growth		 0.36% 244.77% -206.16% -429.23% 87.62% -529.34% 943.27% -64.23% -6.04% -38.98% -2.15%
Net Income Growth		 47.35% 162.65% -2,036.36% 70.99% 87.62% -702.04% 761.69% -64.23% -6.04% -38.98% -2.15%
EPS Growth		 50.00% 166.67% -2,975.00% 71.30% 87.88% -725.00% 754.55% -76.39% -5.88% -39.58% -3.45%
Operating Cash Flow Growth		 -11.01% 17.35% -9.05% -9.02% -14.65% -32.38% -17.16% 40.70% -61.25% 44.71% -43.65%
Free Cash Flow Firm Growth		 172.39% -132.42% 913.16% -6.93% -397.24% 25.15% 206.09% 274.99% -109.10% -17.14% 56.94%
Invested Capital Growth		 -4.43% 2.12% -11.36% -16.01% 38.41% 17.85% 4.69% -60.14% 34.70% 22.21% 11.71%
Revenue Q/Q Growth		 -0.53% 2.38% -0.02% -0.93% 1.72% -26.31% 51.69% -1.13% -0.17% -1.36% 3.47%
EBITDA Q/Q Growth		 138.14% 7.45% -33.31% 51.47% 25.73% -102.04% 203.56% -37.15% -6.57% -18.50% 19.61%
EBIT Q/Q Growth		 78.54% 20.74% -151.71% 139.22% 574.40% -132.36% 167.30% -40.93% -9.15% -25.24% 30.98%
NOPAT Q/Q Growth		 78.54% 1,951.04% -133.75% -209.56% -61.61% -144.38% 4,770.22% -69.90% -10.67% -32.32% 34.18%
Net Income Q/Q Growth		 73.87% 1,951.04% -715.65% 79.45% 82.33% -45.06% 38,573.40% -69.90% -10.67% -32.32% 34.18%
EPS Q/Q Growth		 75.00% 300.00% -1,058.33% 78.43% 84.62% -50.00% 10,700.00% -78.93% -11.11% -32.56% 33.33%
Operating Cash Flow Q/Q Growth		 -7.09% 9.26% -8.77% -5.33% 2.74% -11.73% 4.84% 0.84% -32.35% 15.21% -8.78%
Free Cash Flow Firm Q/Q Growth		 -7.71% 69.88% 969.15% -70.45% 16.01% -41.36% 63.88% -40.26% 85.77% 28.36% -31.90%
Invested Capital Q/Q Growth		 -2.52% -4.57% -16.59% 3.87% -2.82% 1.14% 20.70% 998.16% 12.50% 1.34% 3.95%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 5.58% 9.38% 6.66% 9.39% 8.71% -0.43% 15.15% 14.09% 13.39% 8.70% 9.04%
EBIT Margin		 -0.82% 2.23% -1.18% 0.82% 2.29% -5.16% 12.18% 11.77% 10.88% 6.11% 6.83%
Profit (Net Income) Margin		 -1.33% 0.80% -15.09% -4.53% -0.55% -4.60% 29.02% 11.18% 10.15% 6.09% 5.71%
Tax Burden Percent		 161.76% 35.91% 1,276.86% -552.55% -23.85% 89.21% 238.34% 95.00% 93.36% 99.55% 83.52%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% 64.09% 0.00% 652.55% 123.85% 0.00% -138.34% 5.00% 6.64% 0.45% 16.48%
Return on Invested Capital (ROIC)		 -0.54% 0.79% -0.88% -5.38% -0.61% -3.05% 23.20% 11.60% 16.30% 7.80% 6.55%
ROIC Less NNEP Spread (ROIC-NNEP)		 -1.88% 0.79% -2,355.46% 0.00% 0.00% -92.93% 23.20% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 -2.08% 0.92% -15.26% 0.00% 0.00% -0.87% 0.20% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 -2.62% 1.71% -16.13% 0.00% 0.00% -3.92% 23.40% 0.00% 0.00% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 3.99% -1.31% 11.17% 12.02% -32.83% -19.43% 18.62% 97.59% -13.27% -12.19% -4.51%
Operating Return on Assets (OROA)		 -0.13% 0.36% -0.19% 0.12% 0.34% -0.69% 1.65% 1.59% 1.61% 0.89% 1.02%
Return on Assets (ROA)		 -0.22% 0.13% -2.36% -0.68% -0.08% -0.61% 3.93% 1.51% 1.50% 0.89% 0.85%
Return on Common Equity (ROCE)		 -2.62% 1.71% -16.13% 0.00% 0.00% -3.92% 23.40% 0.00% 0.00% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 -1.27% 0.79% -17.06% -5.89% -0.53% -3.65% 22.68% 20.35% 14.20% 7.09% 6.21%
Net Operating Profit after Tax (NOPAT)		 -1.36 1.97 -2.09 -11 -1.37 -8.62 73 26 24 15 15
NOPAT Margin		 -0.58% 0.80% -0.83% -4.53% -0.55% -3.61% 29.02% 11.18% 10.15% 6.09% 5.71%
Net Nonoperating Expense Percent (NNEP)		 1.34% 0.00% 2,354.58% 0.00% 0.00% 89.88% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 18.46% 18.19% 16.36% 14.33% 13.66% 13.43% 14.15% 15.58% 16.30% 20.05% 18.49%
Operating Expenses to Revenue		 100.82% 97.77% 101.18% 99.18% 97.71% 105.16% 87.82% 88.23% 89.13% 93.89% 93.17%
Earnings before Interest and Taxes (EBIT)		 -1.94 5.48 -2.99 2.00 5.75 -12 31 27 26 15 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 23 17 23 22 -1.02 38 33 32 21 23
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.97 1.65 2.01 1.39 1.02 0.82 0.83 0.77 0.95 1.03
Price to Tangible Book Value (P/TBV)		 0.00 2.13 1.75 2.16 1.46 1.07 0.82 0.83 0.77 0.95 1.03
Price to Revenue (P/Rev)		 1.57 2.00 1.46 1.54 1.44 1.29 1.06 0.46 0.55 0.82 0.95
Price to Earnings (P/E)		 0.00 249.77 0.00 0.00 0.00 0.00 3.64 4.10 5.45 13.42 16.65
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.40% 0.00% 0.00% 0.00% 0.00% 27.50% 24.42% 18.33% 7.45% 6.01%
Enterprise Value to Invested Capital (EV/IC)		 1.17 1.82 1.44 1.76 1.21 0.91 0.74 0.65 0.62 0.81 0.94
Enterprise Value to Revenue (EV/Rev)		 1.22 1.87 1.27 1.36 1.25 1.17 0.95 0.36 0.44 0.70 0.86
Enterprise Value to EBITDA (EV/EBITDA)		 21.96 19.95 19.15 14.45 14.39 0.00 6.24 2.55 3.30 8.02 9.52
Enterprise Value to EBIT (EV/EBIT)		 0.00 83.78 0.00 165.40 54.66 0.00 7.77 3.05 4.06 11.41 12.59
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 233.29 0.00 0.00 0.00 0.00 3.26 3.21 4.35 11.46 15.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.32 4.49 3.46 3.91 4.35 5.70 5.86 1.47 4.82 5.35 12.23
Enterprise Value to Free Cash Flow (EV/FCFF)		 28.72 0.00 12.13 13.40 0.00 0.00 4.06 0.38 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.01 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 1.10 1.16 0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.00
Leverage Ratio		 12.07 13.27 6.83 7.93 7.51 6.40 5.95 7.68 10.87 8.77 7.72
Compound Leverage Factor		 12.07 13.27 6.83 7.93 7.51 6.40 5.95 7.68 10.87 8.77 7.72
Debt to Total Capital		 0.00% 1.21% 0.00% 0.00% 0.00% 1.72% 0.00% 0.00% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 1.21% 0.00% 0.00% 0.00% 1.72% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 98.79% 100.00% 100.00% 100.00% 98.28% 100.00% 100.00% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.13 0.00 0.00 0.00 -5.18 0.00 0.00 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 -1.41 0.00 0.00 0.00 28.38 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 1.55 0.00 0.00 0.00 -0.61 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 -16.48 0.00 0.00 0.00 3.35 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 10 -3.27 27 25 -73 -55 58 219 -20 -23 -10
Operating Cash Flow to CapEx		 14,771.69% 4,745.75% 7,238.29% 13,325.98% 14,590.51% 23,254.29% 4,074.02% 56,920.00% 4,990.05% 4,814.18% 4,023.71%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.16 0.16 0.16 0.15 0.15 0.13 0.14 0.14 0.15 0.15 0.15
Fixed Asset Turnover		 0.00 0.00 18.14 18.99 28.53 21.50 16.49 17.22 19.46 21.89 25.05
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 247 252 224 188 260 306 321 128 172 210 235
Invested Capital Turnover		 0.94 0.98 1.06 1.19 1.12 0.84 0.80 1.04 1.61 1.28 1.15
Increase / (Decrease) in Invested Capital		 -11 5.24 -29 -36 72 46 14 -193 44 38 25
Enterprise Value (EV)		 289 459 322 331 314 279 237 84 106 171 220
Market Capitalization		 372 492 368 377 360 307 264 107 133 200 243
Book Value per Share		 ($0.36) $4.97 $4.46 $3.75 $4.87 $5.61 $6.44 $2.56 $3.47 $4.22 $4.67
Tangible Book Value per Share		 ($0.71) $4.61 $4.19 $3.48 $4.61 $5.36 $6.44 $2.56 $3.47 $4.22 $4.67
Total Capital		 -18 252 224 188 260 306 321 128 172 210 235
Total Debt		 0.00 3.06 0.00 0.00 0.00 5.27 0.00 0.00 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -83 -32 -46 -45 -46 -29 -27 -23 -27 -29 -23
Capital Expenditures (CapEx)		 0.59 2.16 1.29 0.64 0.50 0.21 0.99 0.10 0.44 0.66 0.45
Net Nonoperating Expense (NNE)		 1.78 0.00 36 0.00 0.00 2.37 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 265 3.06 0.00 0.00 0.00 5.27 0.00 0.00 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 15 18 20 21 16 11 7.47 5.40 6.06 6.33 5.63
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.07) $0.04 ($0.77) ($0.22) ($0.04) ($0.33) $1.11 ($0.13) $0.49 $0.30 $0.29
Adjusted Weighted Average Basic Shares Outstanding		 50.08M 49.08M 50.08M 50.23M 50.34M 50.56M 49.03M 49.84M 49.57M 49.91M 50.30M
Adjusted Diluted Earnings per Share		 ($0.07) $0.04 ($0.77) ($0.22) ($0.04) ($0.33) $1.09 ($0.13) $0.48 $0.29 $0.28
Adjusted Weighted Average Diluted Shares Outstanding		 50.08M 49.08M 50.08M 50.23M 50.34M 50.56M 49.03M 49.84M 49.57M 49.91M 50.30M
Adjusted Basic & Diluted Earnings per Share		 ($0.07) $0.04 ($0.77) ($0.22) ($0.04) ($0.33) $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 50.08M 49.08M 50.08M 50.23M 50.34M 50.56M 49.03M 49.84M 49.57M 49.91M 50.30M
Normalized Net Operating Profit after Tax (NOPAT)		 -1.36 3.84 -2.09 1.40 4.02 -8.62 31 29 29 20 17
Normalized NOPAT Margin		 -0.58% 1.56% -0.83% 0.57% 1.61% -3.61% 12.45% 12.36% 11.88% 8.02% 6.55%
Pre Tax Income Margin		 -0.82% 2.23% -1.18% 0.82% 2.29% -5.16% 12.18% 11.77% 10.88% 6.11% 6.83%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 12.50% 10.40% 3.76% 0.00% 0.00%

Quarterly Metrics And Ratios for Citizens

This table displays calculated financial ratios and metrics derived from Citizens' official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 49,552,549.00 49,572,398.00 49,633,705.00 49,868,613.00 - 49,907,355.00 50,149,966.00 50,245,367.00 50,296,848.00 50,299,741.00 50,553,564.00
DEI Adjusted Shares Outstanding		 49,552,549.00 49,572,398.00 49,633,705.00 49,868,613.00 - 49,907,355.00 50,149,966.00 50,245,367.00 50,296,848.00 50,299,741.00 50,553,564.00
DEI Earnings Per Adjusted Shares Outstanding		 0.22 0.09 0.08 0.06 - -0.03 0.13 0.05 0.15 0.05 -0.01
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.61% 3.22% 6.08% 3.91% -5.05% -3.57% 4.84% 1.77% 13.51% 7.31% -7.19%
EBITDA Growth		 -18.14% -20.35% -36.40% -26.85% -47.30% -105.31% 73.50% 29.27% 70.05% 1,169.74% -91.08%
EBIT Growth		 -23.11% -26.66% -45.37% -34.91% -57.65% -136.28% 109.39% 48.26% 110.72% 232.85% -107.65%
NOPAT Growth		 -21.36% -6.77% -35.37% 3.41% -66.29% -127.54% 63.15% -13.37% 102.65% 281.31% -105.73%
Net Income Growth		 -21.36% -6.77% -35.37% 3.41% -66.29% -135.73% 63.15% -13.37% 102.65% 239.74% -106.58%
EPS Growth		 -22.22% -10.00% -33.33% 0.00% -66.67% -133.33% 62.50% -20.00% 100.00% 233.33% -107.69%
Operating Cash Flow Growth		 -61.46% -7.70% -5.28% 199.32% 63.73% -88.98% -24.37% -51.90% -15.99% -143.18% -41.01%
Free Cash Flow Firm Growth		 -116.27% -173.49% 32.26% 68.52% -3.00% 38.71% 26.88% 68.97% 50.03% 22.05% 78.53%
Invested Capital Growth		 34.70% 27.38% 30.92% 35.67% 22.21% 11.12% 19.13% 8.91% 11.71% 9.29% 2.68%
Revenue Q/Q Growth		 12.56% -13.67% 7.58% -0.59% 2.82% -12.35% 16.95% -3.50% 14.75% -17.14% 1.15%
EBITDA Q/Q Growth		 64.50% -36.13% -26.12% -5.76% 18.10% -106.42% 2,512.97% -29.79% 56.37% -59.62% -79.88%
EBIT Q/Q Growth		 89.05% -43.87% -32.95% -8.51% 22.36% -147.88% 486.91% -35.22% 75.57% -69.81% -122.28%
NOPAT Q/Q Growth		 298.11% -57.71% -12.84% -29.53% 29.78% -134.55% 616.35% -62.58% 203.60% -69.09% -116.33%
Net Income Q/Q Growth		 298.11% -57.71% -12.84% -29.53% 29.78% -144.82% 497.97% -62.58% 203.60% -69.09% -118.74%
EPS Q/Q Growth		 320.00% -57.14% -11.11% -37.50% 40.00% -142.86% 533.33% -69.23% 250.00% -71.43% -125.00%
Operating Cash Flow Q/Q Growth		 103.70% 2.66% -32.41% 111.77% 11.42% -93.09% 363.90% 34.67% 94.63% -103.55% 733.75%
Free Cash Flow Firm Q/Q Growth		 79.58% -12.21% -9.95% -24.93% 33.18% 33.23% -31.18% 46.99% -7.62% -4.16% 63.86%
Invested Capital Q/Q Growth		 12.50% 14.18% -2.18% 7.97% 1.34% 3.82% 4.87% -1.30% 3.95% 1.57% -1.47%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 15.30% 11.32% 7.77% 7.37% 8.49% -0.62% 12.86% 9.36% 12.76% 6.22% 1.24%
EBIT Margin		 13.13% 8.53% 5.32% 4.90% 5.85% -3.21% 10.62% 7.13% 10.91% 3.98% -0.88%
Profit (Net Income) Margin		 16.07% 7.87% 6.38% 4.52% 5.70% -2.92% 9.92% 3.85% 10.18% 3.80% -0.70%
Tax Burden Percent		 122.42% 92.22% 119.90% 91.87% 97.44% 90.82% 93.42% 53.96% 93.31% 95.54% 80.34%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.53% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -22.42% 7.78% -19.90% 8.13% 2.56% 0.00% 6.58% 46.04% 6.69% 4.47% 0.00%
Return on Invested Capital (ROIC)		 25.79% 10.88% 9.25% 6.23% 7.31% -2.63% 11.59% 4.38% 11.69% 4.32% -0.67%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 10.88% 9.25% 6.23% 0.00% -49.14% 11.59% 4.38% 0.00% 4.32% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.04% 0.02% 0.00% 0.00% -0.19% 0.02% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 10.92% 9.27% 6.23% 0.00% -2.82% 11.61% 4.39% 0.00% 4.32% 0.00%
Cash Return on Invested Capital (CROIC)		 -13.27% -10.34% -13.84% -18.05% -12.19% -6.32% -12.12% -3.51% -4.51% -0.79% 2.35%
Operating Return on Assets (OROA)		 1.94% 1.25% 0.80% 0.74% 0.86% -0.46% 1.55% 1.01% 1.62% 0.60% -0.13%
Return on Assets (ROA)		 2.37% 1.16% 0.95% 0.68% 0.83% -0.42% 1.45% 0.55% 1.51% 0.57% -0.10%
Return on Common Equity (ROCE)		 0.00% 10.92% 9.27% 6.23% 0.00% -2.82% 11.61% 4.39% 0.00% 4.32% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 12.35% 11.46% 10.61% 0.00% 4.01% 4.91% 4.82% 0.00% 7.74% 4.93%
Net Operating Profit after Tax (NOPAT)		 11 4.54 3.96 2.79 3.62 -1.25 6.46 2.42 7.34 2.27 -0.37
NOPAT Margin		 16.07% 7.87% 6.38% 4.52% 5.70% -2.25% 9.92% 3.85% 10.18% 3.80% -0.61%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 46.51% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 17.80% 18.11% 21.89% 22.87% 21.24% 20.26% 19.60% 17.83% 16.70% 18.12% 18.79%
Operating Expenses to Revenue		 86.87% 91.47% 94.68% 95.10% 94.15% 103.21% 89.38% 92.87% 89.09% 96.02% 100.88%
Earnings before Interest and Taxes (EBIT)		 8.77 4.93 3.30 3.02 3.72 -1.79 6.91 4.48 7.86 2.37 -0.53
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 10 6.53 4.83 4.55 5.39 -0.35 8.37 5.88 9.19 3.71 0.75
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.54 0.71 0.87 0.95 1.04 0.76 1.17 1.03 1.06 1.23
Price to Tangible Book Value (P/TBV)		 0.77 0.54 0.71 0.87 0.95 1.04 0.76 1.17 1.03 1.06 1.23
Price to Revenue (P/Rev)		 0.55 0.44 0.55 0.73 0.82 0.93 0.71 1.07 0.95 0.97 1.14
Price to Earnings (P/E)		 5.45 4.40 6.15 8.19 13.42 25.96 15.56 24.26 16.65 13.69 25.02
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 18.33% 22.72% 16.25% 12.20% 7.45% 3.85% 6.43% 4.12% 6.01% 7.30% 4.00%
Enterprise Value to Invested Capital (EV/IC)		 0.62 0.43 0.57 0.71 0.81 0.96 0.67 1.07 0.94 0.98 1.16
Enterprise Value to Revenue (EV/Rev)		 0.44 0.35 0.44 0.60 0.70 0.86 0.62 0.98 0.86 0.90 1.07
Enterprise Value to EBITDA (EV/EBITDA)		 3.30 2.75 3.94 5.67 8.02 14.48 8.47 12.49 9.52 8.63 13.99
Enterprise Value to EBIT (EV/EBIT)		 4.06 3.45 5.06 7.40 11.41 25.28 12.82 18.08 12.59 10.84 19.26
Enterprise Value to NOPAT (EV/NOPAT)		 4.35 3.49 4.99 6.72 11.46 23.89 13.55 22.17 15.07 12.69 23.56
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.82 3.92 5.15 5.35 5.35 8.08 6.15 12.23 12.23 13.86 17.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50.04
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage Ratio		 10.87 9.45 9.71 9.16 8.77 8.15 8.03 8.03 7.72 7.53 7.46
Compound Leverage Factor		 10.87 9.45 9.71 9.21 8.77 8.15 8.03 8.03 7.72 7.53 7.46
Debt to Total Capital		 0.00% 0.69% 0.41% 0.00% 0.00% 0.11% 0.00% 0.20% 0.00% 0.00% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.69% 0.41% 0.00% 0.00% 0.11% 0.00% 0.20% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 100.00% 99.31% 99.59% 100.00% 100.00% 99.89% 100.00% 99.80% 100.00% 100.00% 100.00%
Debt to EBITDA		 0.00 0.04 0.03 0.00 0.00 0.02 0.00 0.02 0.00 0.00 0.00
Net Debt to EBITDA		 0.00 -0.72 -0.92 0.00 0.00 -1.25 0.00 -1.17 0.00 0.00 0.00
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.06 0.04 0.00 0.00 0.03 0.00 0.04 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 -0.91 -1.16 0.00 0.00 -2.07 0.00 -2.08 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -34 -38 -41 -52 -35 -23 -30 -16 -17 -18 -6.51
Operating Cash Flow to CapEx		 4,408.00% 11,703.45% 3,502.29% 2,611.83% 10,613.73% 699.07% 1,971.59% 7,788.33% 8,745.19% -99.08% 5,848.57%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.15 0.15 0.15 0.15 0.15 0.14 0.15 0.14 0.15 0.15 0.15
Fixed Asset Turnover		 19.46 20.21 21.15 21.61 21.89 22.52 23.51 24.03 25.05 26.19 26.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 172 197 192 208 210 218 229 226 235 239 235
Invested Capital Turnover		 1.61 1.38 1.45 1.38 1.28 1.17 1.17 1.14 1.15 1.14 1.10
Increase / (Decrease) in Invested Capital		 44 42 45 55 38 22 37 18 25 20 6.14
Enterprise Value (EV)		 106 84 109 148 171 209 152 241 220 234 273
Market Capitalization		 133 106 135 181 200 227 175 264 243 253 290
Book Value per Share		 $3.47 $3.94 $3.86 $4.16 $4.22 $4.37 $4.57 $4.49 $4.67 $4.74 $4.65
Tangible Book Value per Share		 $3.47 $3.94 $3.86 $4.16 $4.22 $4.37 $4.57 $4.49 $4.67 $4.74 $4.65
Total Capital		 172 197 192 208 210 218 229 226 235 239 235
Total Debt		 0.00 1.35 0.79 0.00 0.00 0.25 0.00 0.45 0.00 0.00 0.00
Total Long-Term Debt		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -27 -22 -26 -32 -29 -18 -23 -23 -23 -19 -17
Capital Expenditures (CapEx)		 0.15 0.06 0.13 0.37 0.10 0.11 0.18 0.06 0.10 0.33 0.04
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.37 0.00 0.00 0.00 0.00 0.05
Net Nonoperating Obligations (NNO)		 0.00 1.35 0.79 0.00 0.00 0.25 0.00 0.45 0.00 0.00 0.00
Total Depreciation and Amortization (D&A)		 1.45 1.61 1.52 1.53 1.67 1.44 1.46 1.40 1.33 1.34 1.28
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.21 $0.09 $0.08 $0.06 $0.07 ($0.03) $0.13 $0.04 $0.15 $0.05 ($0.01)
Adjusted Weighted Average Basic Shares Outstanding		 49.57M 49.63M 49.87M 49.91M 49.91M 50.15M 50.25M 50.30M 50.30M 50.55M 50.64M
Adjusted Diluted Earnings per Share		 $0.21 $0.09 $0.08 $0.05 $0.07 ($0.03) $0.13 $0.04 $0.14 $0.04 ($0.01)
Adjusted Weighted Average Diluted Shares Outstanding		 49.57M 49.63M 49.87M 49.91M 49.91M 50.15M 50.25M 50.30M 50.30M 50.55M 50.64M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 49.57M 49.63M 49.87M 49.91M 49.91M 50.15M 50.25M 50.30M 50.30M 50.55M 50.64M
Normalized Net Operating Profit after Tax (NOPAT)		 7.26 4.84 2.31 2.79 5.49 -1.37 6.46 2.42 7.34 3.10 0.83
Normalized NOPAT Margin		 10.86% 8.38% 3.72% 4.52% 8.65% -2.46% 9.92% 3.85% 10.18% 5.20% 1.37%
Pre Tax Income Margin		 13.13% 8.53% 5.32% 4.92% 5.85% -3.21% 10.62% 7.13% 10.91% 3.98% -0.88%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 3.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

Citizens (NYSE:CIA) showed a mixed second quarter of 2026. The company’s revenue remained above $60 million, but it posted a $425,000 net loss, compared with net income of $2.3 million in the first quarter and $6.5 million in the restated second quarter of 2025. The latest results continue a pattern of volatile quarterly profitability.

Total revenue declined to $60.4 million in Q2 2026 from $65.1 million a year earlier. Premiums earned were relatively stable, increasing slightly to $43.7 million from $43.4 million, but investment gains fell to $15.5 million from $19.6 million. This indicates that weaker investment performance, rather than a major deterioration in premium income, was the primary revenue pressure.

Expenses increased to $60.9 million from $58.2 million year over year. Property and liability insurance claims improved substantially, declining to $33.8 million from $40.2 million, but higher salaries, current and future benefits, amortization, and special charges offset that benefit. The company’s Q2 pretax loss of $529,000 compares with pretax income of $6.9 million in Q2 2025.

The balance sheet remains stronger than it was two years ago. Total assets reached $1.75 billion in Q2 2026, up from $1.66 billion in Q2 2024, while common equity increased to $235.2 million from $191.5 million. However, cash and due from banks fell to $17.0 million, and the company continues to hold a very large portfolio of trading account securities, totaling approximately $1.37 billion.

Cash flow was positive from operations at $2.0 million in Q2 2026, but this was down from $3.5 million in the year-ago quarter. Investment activity consumed $3.0 million as purchases of investment securities exceeded sales and maturities. As a result, cash and equivalents declined by $1.6 million during the quarter.

  • Premium income remained resilient: Premiums earned increased slightly year over year to $43.7 million, supporting the company’s recurring insurance revenue base.
  • Insurance claims improved: Property and liability insurance claims fell approximately 16% year over year to $33.8 million, which could benefit future underwriting results if the improvement persists.
  • Balance-sheet equity has expanded: Common equity rose approximately 23% from Q2 2024 to $235.2 million in Q2 2026, providing a larger capital cushion.
  • Total assets continue to grow: Assets increased approximately 5% from Q2 2024 and 12% from Q3 2023, reflecting expansion of the company’s investment portfolio and insurance-related assets.
  • Accumulated other comprehensive losses have moderated over the longer term: AOCI improved to a loss of $91.1 million from a loss of $107.9 million in Q2 2024, although it worsened sequentially in Q2 2026.
  • Operating cash flow remained positive: Citizens generated $2.0 million from operations in Q2 2026, but the figure was below the $3.5 million generated in Q2 2025 and the $9.1 million generated in Q4 2025.
  • Investment portfolio growth increases market sensitivity: Trading account securities reached approximately $1.37 billion, making investment gains and losses an important contributor to quarterly revenue volatility.
  • Profitability deteriorated sharply year over year: Q2 2026 revenue fell 7% while total non-interest expense rose 5%, resulting in a $425,000 net loss versus $6.5 million of net income in Q2 2025.
  • Investment gains declined: Net realized and unrealized investment gains fell approximately 21% year over year to $15.5 million, reducing an important source of reported earnings.
  • Liquidity declined during the quarter: Cash and equivalents fell from $18.5 million in Q1 2026 to $17.0 million in Q2, while net cash decreased by $1.6 million as investing and financing outflows exceeded operating cash generation.
10/16/26 04:35 AM ETAI Generated. May Contain Errors.

Citizens Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Citizens' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Citizens' net income appears to be on an upward trend, with a most recent value of $14.59 million in 2025, compared with -$3.14 million in 2015. The previous period was $14.91 million in 2024. See where experts think Citizens is headed by visiting Citizens' forecast page.

Over the last 10 years, Citizens' total revenue changed from $236.27 million in 2015 to $255.62 million in 2025, a change of 8.2%.

In the past 11 quarters, Citizens' cash and equivalents has ranged from $16.79 million in Q3 2023 to $32.38 million in Q3 2024, and is currently $16.96 million as of their latest financial filing in Q2 2026.

Citizens had total debt of $0.00 at the end of 2025, compared with none in 2024, and none in 2015.

Over the last 10 years, Citizens' book value per share changed from -0.36 in 2015 to 4.67 in 2025.


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Financial statements for NYSE:CIA last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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