Citizens Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Citizens
CIA Stock  USD 5.24  0.08  1.55%   
Citizens' financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Citizens' valuation are provided below:
Gross Profit
65 M
Profit Margin
0.044
Market Capitalization
263.6 M
Enterprise Value Revenue
0.9633
Revenue
247 M
We have found one hundred twenty available fundamental signals for Citizens, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to validate all of Citizens prevailing market performance against the performance between 2010 and 2025 to make sure the company can sustain itself down the road. As of December 30, 2025, Market Cap is expected to decline to about 150.3 M. In addition to that, Enterprise Value is expected to decline to about 143 M

Citizens Total Revenue

150.85 Million

Check Citizens financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens' main balance sheet or income statement drivers, such as Interest Expense of 1 M, Total Revenue of 150.8 M or Gross Profit of 127.8 M, as well as many indicators such as Price To Sales Ratio of 0.87, Dividend Yield of 2.0E-4 or PTB Ratio of 1.01. Citizens financial statements analysis is a perfect complement when working with Citizens Valuation or Volatility modules.
  
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Check out the analysis of Citizens Correlation against competitors.
For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.

Citizens Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets874.6 M1.7 B1.4 B
Slightly volatile
Total Stockholder Equity155.1 M210.4 M217.1 M
Very volatile
Common Stock Shares Outstanding43.9 M50.7 M48.1 M
Slightly volatile
Liabilities And Stockholders Equity874.6 M1.7 B1.4 B
Slightly volatile
Total Liabilities1.5 B1.5 B1.2 B
Slightly volatile
Short and Long Term Debt Total5.8 M7.8 M4.2 M
Slightly volatile
Total Current Liabilities5.7 M8.8 M8.7 M
Slightly volatile
Intangible Assets219.5 M209.1 M84.4 M
Slightly volatile
Non Current Assets Total1.7 B1.7 B1 B
Slightly volatile
Net Receivables9.7 M18.7 M10.9 M
Slightly volatile
Total Current Assets27.8 M29.3 M453.4 M
Slightly volatile
Property Plant And Equipment Net7.8 M8 M8.4 M
Slightly volatile
Property Plant And Equipment Gross19.7 M18.8 M10.4 M
Slightly volatile
Accounts Payable6.5 M8.8 M9 M
Pretty Stable
Cash34.2 M29.3 M39.4 M
Pretty Stable
Cash And Short Term Investments27.8 M29.3 M743.7 M
Pretty Stable
Common Stock Total Equity215.5 M312 M250.9 M
Slightly volatile
Short Term Investments15.5 M16.3 M707.4 M
Pretty Stable
Non Current Liabilities Total1.5 B1.5 B594.6 M
Slightly volatile
Common Stock227.9 M273 M249.3 M
Slightly volatile
Other Liabilities1.8 B1.7 B1 B
Slightly volatile
Property Plant Equipment8.8 M10.6 M8.8 M
Slightly volatile
Net Tangible Assets891.8 K938.7 K182.8 M
Slightly volatile
Long Term Investments88.7 M93.3 M1.1 B
Pretty Stable
Non Current Liabilities Other1.4 B1.8 B1.3 B
Slightly volatile
Cash And Equivalents27.9 M29.3 M34.7 M
Slightly volatile
Net Invested Capital167.5 M154.9 M209.5 M
Slightly volatile
Capital Stock294.4 M312.6 M269.8 M
Slightly volatile
Current Deferred Revenue11.2 M9.8 M8.4 M
Slightly volatile

Citizens Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Revenue150.8 M245 M214.3 M
Slightly volatile
Gross Profit127.8 M121.7 M76.4 M
Slightly volatile
Other Operating Expenses134.7 M230 M195.5 M
Very volatile
Cost Of Revenue112.4 M141.8 M153 M
Very volatile
Depreciation And Amortization588 K619 K1.9 M
Slightly volatile
Selling And Marketing Expenses34.5 M47.5 M39.3 M
Slightly volatile
Selling General Administrative41.3 M52.3 M38.7 M
Slightly volatile
Reconciled Depreciation588 K619 K2.2 M
Slightly volatile

Citizens Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow40.8 M31.3 M61.5 M
Slightly volatile
Begin Period Cash Flow29.7 M27 M40.4 M
Pretty Stable
Total Cash From Operating Activities42 M31.9 M62.3 M
Slightly volatile
End Period Cash Flow29.9 M29.3 M39.1 M
Pretty Stable
Depreciation588 K619 K2.2 M
Slightly volatile
Stock Based Compensation1.4 M1.5 M6.5 M
Slightly volatile
Change To Operating Activities50.5 M41.6 M69.7 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.870.913315.3898
Slightly volatile
Dividend Yield2.0E-42.0E-40.0188
Slightly volatile
PTB Ratio1.011.063719.3547
Pretty Stable
Days Sales Outstanding15.8727.802517.8221
Very volatile
Book Value Per Share2.473.76984.135
Pretty Stable
Free Cash Flow Yield0.10.13970.1939
Pretty Stable
Operating Cash Flow Per Share0.660.5721.2375
Slightly volatile
Average Payables872.8 K784.8 K714.6 K
Very volatile
Stock Based Compensation To Revenue0.00510.00620.0032
Slightly volatile
Capex To Depreciation1.121.07110.5875
Pretty Stable
PB Ratio1.011.063719.3547
Pretty Stable
EV To Sales0.780.825615.2377
Slightly volatile
Free Cash Flow Per Share0.650.56011.223
Slightly volatile
Payables Turnover11.1812.5813.7126
Slightly volatile
Sales General And Administrative To Revenue0.140.21330.1657
Slightly volatile
Capex To Revenue0.00260.00270.0059
Slightly volatile
Cash Per Share0.780.817214.9842
Pretty Stable
POCF Ratio12.27.01047.8525
Slightly volatile
Interest Coverage11.7411.1811.3649
Slightly volatile
Capex To Operating Cash Flow0.01970.02080.0244
Slightly volatile
PFCF Ratio13.347.15917.9903
Slightly volatile
Days Payables Outstanding20.923.5125.6299
Slightly volatile
EV To Operating Cash Flow11.636.33747.3357
Slightly volatile
EV To Free Cash Flow12.746.47187.4652
Slightly volatile
Intangibles To Total Assets0.130.12410.0434
Slightly volatile
Current Ratio3.153.31845.2584
Slightly volatile
Receivables Turnover12.4713.128338.7146
Slightly volatile
Graham Number2.434.7614.2425
Slightly volatile
Shareholders Equity Per Share2.473.76984.135
Pretty Stable
Debt To Equity0.03520.0370.6297
Pretty Stable
Capex Per Share0.01130.01190.0193
Slightly volatile
Average Receivables16.6 M15.8 M16.4 M
Slightly volatile
Revenue Per Share2.474.39074.2376
Slightly volatile
Interest Debt Per Share0.0960.13960.0825
Slightly volatile
Debt To Assets0.00440.00460.0035
Very volatile
Short Term Coverage Ratios10.7420.0520.2022
Pretty Stable
Operating Cycle15.8727.802517.8221
Very volatile
Price Book Value Ratio1.011.063719.3547
Pretty Stable
Days Of Payables Outstanding20.923.5125.6299
Slightly volatile
Price To Operating Cash Flows Ratio12.27.01047.8525
Slightly volatile
Price To Free Cash Flows Ratio13.347.15917.9903
Slightly volatile
Company Equity Multiplier7.618.0118100
Pretty Stable
Long Term Debt To Capitalization0.170.160.169
Slightly volatile
Total Debt To Capitalization0.03390.03570.0786
Pretty Stable
Debt Equity Ratio0.03520.0370.6297
Pretty Stable
Quick Ratio3.153.31870.6712
Pretty Stable
Dividend Paid And Capex Coverage Ratio55.3348.1418119
Pretty Stable
Cash Ratio3.153.3184.7442
Slightly volatile
Cash Conversion Cycle1.61.683215.2977
Pretty Stable
Operating Cash Flow Sales Ratio0.190.13030.2774
Slightly volatile
Days Of Sales Outstanding15.8727.802517.8221
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.750.97920.9612
Very volatile
Cash Flow Coverage Ratios3.894.097837.6237
Slightly volatile
Price To Book Ratio1.011.063719.3547
Pretty Stable
Fixed Asset Turnover17.418.3427.2136
Slightly volatile
Capital Expenditure Coverage Ratio60.1348.1418130
Pretty Stable
Price Cash Flow Ratio12.27.01047.8525
Slightly volatile
Debt Ratio0.00440.00460.0035
Very volatile
Cash Flow To Debt Ratio3.894.097837.6237
Slightly volatile
Price Sales Ratio0.870.913315.3898
Slightly volatile
Asset Turnover0.240.14540.1602
Very volatile
Price Fair Value1.011.063719.3547
Pretty Stable

Citizens Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap150.3 M238.1 M264.8 M
Slightly volatile
Enterprise Value143 M223.3 M246.5 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings7.5815
Cash And Short Term Investments29.3 M

Citizens Upcoming Events

11th of March 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

About Citizens Financial Statements

Citizens stakeholders use historical fundamental indicators, such as Citizens' revenue or net income, to determine how well the company is positioned to perform in the future. Although Citizens investors may analyze each financial statement separately, they are all interrelated. For example, changes in Citizens' assets and liabilities are reflected in the revenues and expenses on Citizens' income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Citizens. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue9.8 M11.2 M
Total Revenue245 M150.8 M
Cost Of Revenue141.8 M112.4 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.21  0.14 
Revenue Per Share 4.39  2.47 
Ebit Per Revenue 0.06  0.07 

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When determining whether Citizens offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Citizens' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Citizens Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Citizens Stock:
How To Invest In Citizens
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Is Citizens Stock a good investment?
Details
What is Citizens' Net Worth?
Details
Largest Life & Health Insurance Companies
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Largest Insurance - Life Companies
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Check out the analysis of Citizens Correlation against competitors.
For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.
You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.
Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.20)
Earnings Share
0.21
Revenue Per Share
4.936
Quarterly Revenue Growth
0.017
Return On Assets
0.0048
The market value of Citizens is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens' value that differs from its market value or its book value, called intrinsic value, which is Citizens' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens' market value can be influenced by many factors that don't directly affect Citizens' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
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Please note, there is a significant difference between Citizens' value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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