Citizens Net Income
| CIA Stock | USD 5.90 0.08 1.34% |
As of the 10th of February, Citizens shows the Risk Adjusted Performance of 0.0254, mean deviation of 2.91, and Downside Deviation of 4.36. Citizens technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Citizens Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.1303 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 17.1 M | 18 M | |
| Net Income Applicable To Common Shares | 13.4 M | 14.1 M | |
| Net Income From Continuing Ops | 17.1 M | 18 M | |
| Net Income Per Share | 0.24 | 0.25 | |
| Net Income Per E B T | 0.90 | 0.85 |
Citizens | Net Income | Build AI portfolio with Citizens Stock |
Analyzing Citizens's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Citizens's current valuation and future prospects.
Latest Citizens' Net Income Growth Pattern
Below is the plot of the Net Income of Citizens over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Citizens financial statement analysis. It represents the amount of money remaining after all of Citizens operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Citizens' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 14.91 M | 10 Years Trend |
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Net Income |
| Timeline |
Citizens Net Income Regression Statistics
| Arithmetic Mean | 7,201,767 | |
| Geometric Mean | 7,589,146 | |
| Coefficient Of Variation | 317.82 | |
| Mean Deviation | 15,445,491 | |
| Median | 4,529,000 | |
| Standard Deviation | 22,888,505 | |
| Sample Variance | 523.9T | |
| Range | 110.8M | |
| R-Value | 0.40 | |
| Mean Square Error | 471.6T | |
| R-Squared | 0.16 | |
| Significance | 0.12 | |
| Slope | 1,791,014 | |
| Total Sum of Squares | 8382.1T |
Citizens Net Income History
Other Fundumenentals of Citizens
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Citizens Net Income component correlations
Citizens Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Citizens is extremely important. It helps to project a fair market value of Citizens Stock properly, considering its historical fundamentals such as Net Income. Since Citizens' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citizens' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citizens' interrelated accounts and indicators.
Click cells to compare fundamentals
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 | Quarterly Revenue Growth 0.017 | Return On Assets |
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.
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.
Citizens 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citizens' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citizens.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in Citizens on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding Citizens or generate 0.0% return on investment in Citizens over 90 days. Citizens is related to or competes with NI Holdings, Destiny Tech100, Citizens Northern, Waterstone Financial, FS Bancorp, Graf Global, and Legato Merger. Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally More
Citizens Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citizens' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citizens upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 4.36 | |||
| Information Ratio | (0) | |||
| Maximum Drawdown | 15.47 | |||
| Value At Risk | (6.53) | |||
| Potential Upside | 5.03 |
Citizens Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citizens' standard deviation. In reality, there are many statistical measures that can use Citizens historical prices to predict the future Citizens' volatility.| Risk Adjusted Performance | 0.0254 | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.33) | |||
| Sortino Ratio | (0) | |||
| Treynor Ratio | 0.0435 |
Citizens February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0254 | |||
| Market Risk Adjusted Performance | 0.0535 | |||
| Mean Deviation | 2.91 | |||
| Semi Deviation | 3.99 | |||
| Downside Deviation | 4.36 | |||
| Coefficient Of Variation | 4559.01 | |||
| Standard Deviation | 3.68 | |||
| Variance | 13.57 | |||
| Information Ratio | (0) | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.33) | |||
| Sortino Ratio | (0) | |||
| Treynor Ratio | 0.0435 | |||
| Maximum Drawdown | 15.47 | |||
| Value At Risk | (6.53) | |||
| Potential Upside | 5.03 | |||
| Downside Variance | 19.0 | |||
| Semi Variance | 15.95 | |||
| Expected Short fall | (2.99) | |||
| Skewness | (0.65) | |||
| Kurtosis | (0.16) |
Citizens Backtested Returns
At this point, Citizens is moderately volatile. Citizens secures Sharpe Ratio (or Efficiency) of 0.0348, which signifies that the company had a 0.0348 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Citizens, which you can use to evaluate the volatility of the firm. Please confirm Citizens' Mean Deviation of 2.91, risk adjusted performance of 0.0254, and Downside Deviation of 4.36 to double-check if the risk estimate we provide is consistent with the expected return of 0.13%. Citizens has a performance score of 2 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 1.63, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Citizens will likely underperform. Citizens right now shows a risk of 3.61%. Please confirm Citizens sortino ratio, potential upside, skewness, as well as the relationship between the maximum drawdown and semi variance , to decide if Citizens will be following its price patterns.
Auto-correlation | -0.32 |
Poor reverse predictability
Citizens has poor reverse predictability. Overlapping area represents the amount of predictability between Citizens time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citizens price movement. The serial correlation of -0.32 indicates that nearly 32.0% of current Citizens price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.32 | |
| Spearman Rank Test | -0.27 | |
| Residual Average | 0.0 | |
| Price Variance | 0.15 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Citizens Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Citizens reported net income of 14.91 M. This is 98.83% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.39% higher than that of the company.
Citizens Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citizens could also be used in its relative valuation, which is a method of valuing Citizens by comparing valuation metrics of similar companies.Citizens is currently under evaluation in net income category among its peers.
Citizens ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citizens' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citizens' managers, analysts, and investors.Environmental | Governance | Social |
Citizens Institutional Holders
Institutional Holdings refers to the ownership stake in Citizens that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Citizens' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Citizens' value.| Shares | Barclays Plc | 2025-06-30 | 146 K | Charles Schwab Investment Management Inc | 2025-06-30 | 137.9 K | Truffle Hound Capital, Llc | 2025-06-30 | 135 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 132.2 K | Bank Of New York Mellon Corp | 2025-06-30 | 102.6 K | Millennium Management Llc | 2025-06-30 | 93.1 K | Winton Capital Group Ltd | 2025-06-30 | 86.7 K | T. Rowe Price Associates, Inc. | 2025-06-30 | 65.9 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 60 K | Blackrock Inc | 2025-06-30 | 2.9 M | Vanguard Group Inc | 2025-06-30 | 2.4 M |
Citizens Fundamentals
| Return On Equity | 0.0502 | ||||
| Return On Asset | 0.0048 | ||||
| Profit Margin | 0.04 % | ||||
| Operating Margin | 0.07 % | ||||
| Current Valuation | 279.21 M | ||||
| Shares Outstanding | 50.3 M | ||||
| Shares Owned By Insiders | 10.97 % | ||||
| Shares Owned By Institutions | 26.18 % | ||||
| Number Of Shares Shorted | 4.06 M | ||||
| Price To Earning | 4.88 X | ||||
| Price To Book | 1.33 X | ||||
| Price To Sales | 1.20 X | ||||
| Revenue | 245 M | ||||
| Gross Profit | 64.96 M | ||||
| EBITDA | 15.6 M | ||||
| Net Income | 14.91 M | ||||
| Cash And Equivalents | 29.27 M | ||||
| Cash Per Share | 0.44 X | ||||
| Total Debt | 7.79 M | ||||
| Debt To Equity | 0.03 % | ||||
| Current Ratio | 0.59 X | ||||
| Book Value Per Share | 4.49 X | ||||
| Cash Flow From Operations | 31.92 M | ||||
| Short Ratio | 41.85 X | ||||
| Earnings Per Share | 0.21 X | ||||
| Target Price | 6.0 | ||||
| Number Of Employees | 247 | ||||
| Beta | 0.42 | ||||
| Market Capitalization | 296.75 M | ||||
| Total Asset | 1.69 B | ||||
| Retained Earnings | 57.06 M | ||||
| Net Asset | 1.69 B |
About Citizens Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.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:Check out For information on how to trade Citizens Stock refer to our How to Trade Citizens Stock guide.You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
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 | Quarterly Revenue Growth 0.017 | Return On Assets |
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.
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.