Citizens Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Citizens
CIA Stock  USD 5.08  0.10  2.01%   
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
244.9 M
Enterprise Value Revenue
0.9267
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 2026 to make sure the company can sustain itself down the road. As of January 7, 2026, 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 147 M, as well as many indicators such as Price To Sales Ratio of 1.0, Dividend Yield of 2.0E-4 or PTB Ratio of 1.16. Citizens financial statements analysis is a perfect complement when working with Citizens Valuation or Volatility modules.
  
Build AI portfolio with Citizens Stock
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 Assets2 B1.9 B1.5 B
Slightly volatile
Total Stockholder Equity155.1 M241.9 M218.6 M
Very volatile
Common Stock Shares Outstanding43.9 M58.3 M48.7 M
Slightly volatile
Liabilities And Stockholders Equity2 B1.9 B1.5 B
Slightly volatile
Total Liabilities1.8 B1.7 B1.3 B
Slightly volatile
Short and Long Term Debt Total5.8 M9 M4.4 M
Slightly volatile
Total Current Liabilities5.7 M10.1 M8.8 M
Slightly volatile
Intangible Assets252.5 M240.4 M95.5 M
Slightly volatile
Non Current Assets Total2 B1.9 B1.1 B
Slightly volatile
Net Receivables22.5 M21.5 M12.2 M
Slightly volatile
Total Current Assets32 M33.7 M428.9 M
Slightly volatile
Property Plant And Equipment Net7.8 M9.2 M8.4 M
Slightly volatile
Property Plant And Equipment Gross19.7 M18.8 M10.8 M
Slightly volatile
Accounts Payable6.5 M10.1 M9.1 M
Pretty Stable
Cash34.2 M33.7 M39 M
Pretty Stable
Cash And Short Term Investments32 M33.7 M702.2 M
Very volatile
Common Stock Total Equity215.5 M312 M252.1 M
Slightly volatile
Short Term Investments17.8 M18.8 M667.1 M
Very volatile
Non Current Liabilities Total1.8 B1.7 B672.4 M
Slightly volatile
Common Stock227.9 M313.9 M253.1 M
Slightly volatile
Other Liabilities1.8 B1.7 B1.1 B
Slightly volatile
Property Plant Equipment8.8 M12.2 M9 M
Slightly volatile
Net Tangible Assets891.8 K938.7 K172.1 M
Slightly volatile
Long Term Investments102 M107.3 M1 B
Slightly volatile
Non Current Liabilities Other1.4 B1.8 B1.3 B
Slightly volatile
Cash And Equivalents27.9 M26.3 M34.2 M
Slightly volatile
Net Invested Capital167.5 M154.9 M207.3 M
Slightly volatile
Capital Stock294.4 M312.6 M269.9 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 M281.8 M218.3 M
Slightly volatile
Gross Profit147 M140 M81.3 M
Slightly volatile
Other Operating Expenses134.7 M264.5 M199.6 M
Pretty Stable
Cost Of Revenue112.4 M141.8 M151.3 M
Very volatile
Depreciation And Amortization529.2 K557.1 K1.9 M
Slightly volatile
Selling And Marketing Expenses34.5 M47.5 M39.4 M
Slightly volatile
Selling General Administrative41.3 M60.1 M40 M
Slightly volatile
Reconciled Depreciation529.2 K557.1 K2.1 M
Slightly volatile

Citizens Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow40.8 M35.9 M60 M
Slightly volatile
Begin Period Cash Flow29.7 M31 M39.8 M
Pretty Stable
Total Cash From Operating Activities42 M36.7 M60.8 M
Slightly volatile
End Period Cash Flow29.9 M33.7 M38.7 M
Pretty Stable
Depreciation529.2 K557.1 K2.1 M
Slightly volatile
Stock Based Compensation3.5 M1.7 M6.4 M
Slightly volatile
Change To Operating Activities50.5 M41.6 M68.3 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.01.0514.554
Slightly volatile
Dividend Yield2.0E-42.0E-40.0177
Slightly volatile
PTB Ratio1.161.2218.2968
Slightly volatile
Days Sales Outstanding15.8725.0218.2455
Pretty Stable
Book Value Per Share2.473.394.0912
Pretty Stable
Free Cash Flow Yield0.10.130.1902
Pretty Stable
Operating Cash Flow Per Share0.660.511.1947
Slightly volatile
Average Payables872.8 K784.8 K712.7 K
Very volatile
Stock Based Compensation To Revenue0.00510.00710.0034
Slightly volatile
Capex To Depreciation1.291.230.6353
Very volatile
PB Ratio1.161.2218.2968
Slightly volatile
EV To Sales0.90.9514.4043
Slightly volatile
Free Cash Flow Per Share0.650.51.1805
Slightly volatile
Payables Turnover11.1812.5813.728
Slightly volatile
Sales General And Administrative To Revenue0.140.190.1672
Slightly volatile
Capex To Revenue0.0030.00310.0058
Slightly volatile
Cash Per Share0.70.7414.1416
Very volatile
POCF Ratio12.28.067.8647
Slightly volatile
Interest Coverage11.7411.1811.2684
Slightly volatile
Capex To Operating Cash Flow0.02270.02390.0246
Slightly volatile
PFCF Ratio13.348.238.0044
Slightly volatile
Days Payables Outstanding20.923.5125.6587
Slightly volatile
EV To Operating Cash Flow11.637.297.333
Slightly volatile
EV To Free Cash Flow12.747.447.4637
Slightly volatile
Intangibles To Total Assets0.120.110.0467
Slightly volatile
Current Ratio3.623.8242.8485
Pretty Stable
Receivables Turnover11.2211.8237.059
Slightly volatile
Graham Number2.434.284.2447
Slightly volatile
Shareholders Equity Per Share2.473.394.0912
Pretty Stable
Debt To Equity0.03170.03330.5944
Pretty Stable
Capex Per Share0.0130.01370.0191
Slightly volatile
Average Receivables16.6 M15.8 M16.5 M
Slightly volatile
Revenue Per Share2.473.954.2207
Pretty Stable
Interest Debt Per Share0.0960.130.0853
Slightly volatile
Debt To Assets0.01040.00530.0039
Pretty Stable
Short Term Coverage Ratios10.7420.0520.324
Pretty Stable
Operating Cycle15.8725.0218.2455
Pretty Stable
Price Book Value Ratio1.161.2218.2968
Slightly volatile
Days Of Payables Outstanding20.923.5125.6587
Slightly volatile
Price To Operating Cash Flows Ratio12.28.067.8647
Slightly volatile
Price To Free Cash Flows Ratio13.348.238.0044
Slightly volatile
Company Equity Multiplier6.857.2194.5978
Pretty Stable
Long Term Debt To Capitalization0.170.160.1697
Slightly volatile
Total Debt To Capitalization0.03050.03210.0757
Pretty Stable
Debt Equity Ratio0.03170.03330.5944
Pretty Stable
Quick Ratio3.623.8266.7664
Pretty Stable
Dividend Paid And Capex Coverage Ratio55.3343.33114
Very volatile
Cash Ratio7.363.824.9375
Slightly volatile
Cash Conversion Cycle1.841.9414.5261
Slightly volatile
Operating Cash Flow Sales Ratio0.190.120.2682
Slightly volatile
Days Of Sales Outstanding15.8725.0218.2455
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.750.880.9564
Pretty Stable
Cash Flow Coverage Ratios3.53.6935.6046
Slightly volatile
Price To Book Ratio1.161.2218.2968
Slightly volatile
Fixed Asset Turnover17.418.3426.8117
Slightly volatile
Capital Expenditure Coverage Ratio60.1343.33125
Very volatile
Price Cash Flow Ratio12.28.067.8647
Slightly volatile
Debt Ratio0.01040.00530.0039
Pretty Stable
Cash Flow To Debt Ratio3.53.6935.6046
Slightly volatile
Price Sales Ratio1.01.0514.554
Slightly volatile
Asset Turnover0.240.170.1608
Very volatile
Price Fair Value1.161.2218.2968
Slightly volatile

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 M246.6 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings22.8833
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 Revenue281.8 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 0.19  0.14 
Revenue Per Share 3.95  2.47 
Ebit Per Revenue 0.07  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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What is Citizens' Net Worth?
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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 Crypto Correlations module to use cryptocurrency correlation module to diversify your cryptocurrency portfolio across multiple coins.
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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