Citizens IncCIA
Price$3.47Intrinsic value$2.5826% below price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $255M+4.1% YoYTTM through 30 Jun 2026
Net Income $11.6M-22.2% YoYTTM through 30 Jun 2026
Free Cash Flow $15MTTM through 30 Jun 2026

Margins

Current
Operating Margin5.6%
Net Margin4.6%

Returns

6.2%ROE
0.8%ROA
5.3%ROIC

Balance Sheet Health

Debt / Equity0.00x
Net Debt-$23Mnet cash position
Cash & Equivalents$17M

Quality Metrics

Piotroski F-Score5 / 9
FCF Margin5.9%
Rule of 407.5
Earnings-Beat Rate75.0%

Multi-Year Trend

Revenue
'19'20'21'22'23'24'25
FY2025: $255.6M
Diluted EPS
'17'18'19'20'21'22'23
FY2023: $0.48

Dividend

No dividend

Capital Allocation

Capex Intensity0.2%

Segment Performance

SegmentRevenueYoYOutlook
International Insurance
Domestic Insurance
All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.