Citizens Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Citizens
CIA Stock  USD 5.42  0.04  0.73%   
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
274.6 M
Enterprise Value Revenue
1.0366
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 29, 2026, Market Cap is expected to decline to about 150.3 M. In addition to that, Enterprise Value is expected to decline to about 142.1 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 Ratio1.01.0514.5546
Slightly volatile
Dividend Yield2.0E-42.0E-40.0042
Slightly volatile
PTB Ratio1.161.2212.3228
Slightly volatile
Days Sales Outstanding15.9825.0218.2613
Pretty Stable
Book Value Per Share2.523.394.2429
Very volatile
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 Ratio1.161.2212.3228
Slightly volatile
EV To Sales0.90.9514.3966
Slightly volatile
Free Cash Flow Per Share0.650.51.1805
Slightly volatile
Payables Turnover15.2716.0720.4889
Slightly volatile
Sales General And Administrative To Revenue0.140.190.1684
Slightly volatile
Capex To Revenue0.0030.00310.0059
Slightly volatile
Cash Per Share0.450.4714.0807
Very volatile
POCF Ratio12.28.067.8647
Slightly volatile
Interest Coverage10.6211.1814.1437
Slightly volatile
Payout Ratio0.0010.0010.1272
Slightly volatile
Capex To Operating Cash Flow0.02270.02390.0246
Slightly volatile
PFCF Ratio13.348.238.0044
Slightly volatile
Days Payables Outstanding13.4623.5121.4655
Slightly volatile
EV To Operating Cash Flow11.617.297.2903
Slightly volatile
EV To Free Cash Flow12.727.447.4205
Slightly volatile
Intangibles To Total Assets0.120.110.0476
Slightly volatile
Current Ratio3.623.8212.7755
Very volatile
Receivables Turnover11.2211.8237.0565
Slightly volatile
Graham Number2.824.286.6807
Slightly volatile
Shareholders Equity Per Share2.523.394.2429
Very volatile
Debt To Equity0.06990.04260.0572
Slightly volatile
Capex Per Share0.0130.01370.0191
Slightly volatile
Average Receivables16.6 M15.8 M16.5 M
Slightly volatile
Revenue Per Share2.463.954.2191
Pretty Stable
Interest Debt Per Share0.080.130.1623
Very volatile
Debt To Assets0.0050.00530.006
Slightly volatile
Short Term Coverage Ratios10.7420.0520.324
Pretty Stable
Price Book Value Ratio1.161.2212.3228
Slightly volatile
Days Of Payables Outstanding13.4623.5121.4655
Slightly volatile
Dividend Payout Ratio0.0010.0010.1272
Slightly volatile
Price To Operating Cash Flows Ratio12.28.067.8647
Slightly volatile
Price To Free Cash Flows Ratio13.348.238.0044
Slightly volatile
Ebt Per Ebit0.120.13520.1363
Slightly volatile
Company Equity Multiplier4.47.216.6421
Slightly volatile
Long Term Debt To Capitalization0.170.160.1697
Slightly volatile
Total Debt To Capitalization0.06240.04110.0536
Slightly volatile
Debt Equity Ratio0.06990.04260.0572
Slightly volatile
Quick Ratio3.623.8234.0437
Pretty Stable
Dividend Paid And Capex Coverage Ratio56.1843.33116
Very volatile
Cash Ratio3.623.824.6115
Slightly volatile
Operating Cash Flow Sales Ratio0.190.120.2682
Slightly volatile
Days Of Sales Outstanding15.9825.0218.2613
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.750.880.9564
Pretty Stable
Cash Flow Coverage Ratios3.53.692.6929
Slightly volatile
Price To Book Ratio1.161.2212.3228
Slightly volatile
Fixed Asset Turnover17.3118.3426.7519
Slightly volatile
Capital Expenditure Coverage Ratio60.1343.33125
Very volatile
Price Cash Flow Ratio12.28.067.8647
Slightly volatile
Debt Ratio0.0050.00530.006
Slightly volatile
Cash Flow To Debt Ratio3.53.692.6929
Slightly volatile
Price Sales Ratio1.01.0514.5546
Slightly volatile
Asset Turnover0.240.170.1606
Very volatile
Gross Profit Margin0.330.570.3158
Slightly volatile
Price Fair Value1.161.2212.3228
Slightly volatile

Citizens Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap150.3 M238.1 M264.8 M
Slightly volatile
Enterprise Value142.1 M213.5 M236.4 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 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  2.46 
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:
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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 Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.
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. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Citizens assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
(0.20)
Earnings Share
0.21
Revenue Per Share
4.936
Quarterly Revenue Growth
0.017
Return On Assets
0.0048
Citizens's market price often diverges from its book value, the accounting figure shown on Citizens's balance sheet. Smart investors calculate Citizens' intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since Citizens' trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
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M Score
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Buy or Sell
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It's important to distinguish between Citizens' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. 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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